About AU Altura Plus Credit Card
The AU Bank Altura Plus Credit Card lets you earn reward points on every swipe made for shopping, dining, and international transactions. It comes with an annual fee of ₹499. This card is a great choice for individuals seeking multiple benefits such as milestone rewards, cashback, fuel surcharge waiver, and attractive reward points.
The AU Bank Altura Plus Credit Card offers convenient contactless payments, fuel surcharge waivers, and attractive cashback rewards, making everyday spending more rewarding and hassle-free.
AU Altura Plus Credit Card Rewards Program
Rewards
- Earn 2 Reward Points per ₹100 spent on online transactions.
- No cap on reward points earned.
Redeem Reward points for:
- E-vouchers of top brands
- Merchandise
- Mobile/DTH recharges
- Flight & hotel bookings, and more
Other Features and Benefits
Welcome Benefits
- Get vouchers worth ₹500 on spending a minimum of ₹10,000 within 60 days of card activation.
Cashback
- Earn 1.5% cashback on all POS retail spends at merchant outlets (up to ₹100 per statement cycle).
- After reaching the cashback limit, continue earning 1 Reward Point for every ₹100 spent (except fuel) on POS.
Milestone Benefit
- Earn 500 Bonus Reward Points when you spend ₹20,000 or more in a calendar month.
Railway Lounge Access
- Enjoy 2 complimentary railway lounge accesses per quarter at select stations: Kolkata (Sealdah), New Delhi, Jaipur, Ahmedabad, Madurai, and Agra.
Fuel Surcharge Waiver
- Get 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all petrol pumps in India.
- Maximum waiver of ₹150 per statement cycle.
Card Liability Cover
- Zero liability for fraudulent transactions after reporting card loss to the bank.
- Protection against card counterfeit, skimming, and online frauds.
Xpress EMI
- Convert transactions of ₹2,000 or more into easy EMIs.
- Flexible repayment tenure options to suit your convenience.
Fees and Charges
| Type of charge | Fee |
|---|
| Joining fee | NIL |
| Annual fee | Rs.499 |
| Fee for an add-on card | NIL |
| Cash advance fee | 2.5% of amount withdrawn, subject to a minimum of Rs.100 |
| Revolving credit charge | 3.49% per month (41.88% annually) |
| Minimum repayment amount | 5% or minimum Rs.100 |
| Limit for cash advance | 40% of the credit limit |
| Overlimit charges | 2.5% of overlimit amount, subject to a minimum of Rs.500 |
| Credit card validation fee at lounges | Rs.2 |
| Cash processing fee | NIL |
| Fee for processing an outstation cheque | Rs. 25 |
| Fee for redeeming reward points | NIL |
| Late Payment Charges | - Less than Rs.100: NIL
- Rs.100 to Rs.500: Rs.100
- Rs.501 to Rs.5,000: Rs.400
- Rs.5,001 to Rs.20,000: Rs.500
- More than Rs.20,000: Rs.700
|
| Processing fee for balance transfer | - 1% of the balance transfer amount
- This fee is subject to a minimum amount of Rs.250
|
| Foreign currency mark-up fee | 3.49% |
| Fee for duplicate physical statement request | Rs.100 |
| EMI conversion fee | - 1% of the amount you convert into EMIs
- The EMI conversion fee is subject to a minimum of Rs.250
|
| Fee for reissue of lost/damaged/stolen credit card | Rs.100 |
| Charge for Priority Pass Lounge | $27 plus taxes per person for every visit |
| Goods and Services Tax (GST) | 18% |
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Document Required For AU Altura Plus Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
AU Altura Plus Credit Card Highlights
What do we like about this card?
- Receive ₹500 worth of vouchers on spending ₹10,000 or more within the first 60 days of card issuance.
- Earn 2x reward points on every ₹100 spent on online purchases.
- Get 1.5% cashback on transactions at merchant outlets.
- Earn 1 reward point for every ₹100 spent on retail purchases.
- Enjoy 500 bonus reward points on monthly spends of ₹20,000.
Things to Know Before you apply
Get this card if:
- You want a low annual fee card with decent rewards.
- You shop frequently online and want 2X reward points.
- You travel by train often and can use complimentary railway lounge access.
- You want milestone-based cashback on spending targets.
- You prefer a card with both rewards and a fuel surcharge waiver.
Pros
- Up to 2X reward points on online purchases.
- Welcome vouchers on card activation.
- Complimentary railway lounge access.
- Fuel surcharge waiver for savings on fuel spends.
- Contactless payment facility for transactions up to ₹5,000.
Cons
- Rewards rate on offline purchases is comparatively lower.
- Lounge access limited to railway lounges (no airport lounges).
- Interest-free period capped at 50 days.
- GST of 18% applicable on all fees, charges, and interest.
- Benefits may require meeting minimum spending criteria.
Au Bank Credit Card Contact Details
- Contact Address: AU Small Finance Bank Ltd., Head Office: 5th Floor, Metro Plaza, New Sanganer Road, Mansarovar, Jaipur – 302020, Rajasthan, India
- Helpline:1800 1200 1500 (Toll-Free, 24x7), creditcard.support@aubank.in
- Simply SMS: SMS ZENITH to 5676766 to get a callback or apply
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Frequently Asked Questions
You get an interest-free period of up to 50 days on your credit card purchases.
GST is levied at 18% on all applicable fees, charges, and interest.
ou get 2X reward points on online transactions, welcome vouchers, access to railway lounges, a fuel surcharge waiver, and more.
Yes, it supports contactless payments for transactions up to ₹5,000.
You can call the toll-free number 1800-210-0298 or dial 022-42320298 to connect with the concierge desk.
