AU Small Finance Bank has launched the AU Bank Altura Plus Credit Card, offering various benefits such as milestone rewards, cashback, reward points, and fuel surcharge waivers. Cardholders can gather reward points and redeem them in numerous ways, with the option to convert purchases over Rs. 2,000 into EMIs.

The annual fee for this credit card is Rs. 499 plus taxes, appealing to those seeking cashback and rewards. It is available to individuals aged 21 to 60.

New cardholders can receive vouchers worth Rs. 500 from top brands by spending a minimum of Rs. 10,000 on retail within 60 days of the card setup. A 1.5% cashback is provided on all POS retail spends, capped at Rs. 100 per statement cycle. After reaching this limit, users earn 1 reward point per Rs. 100 spent on retail except for fuel.

The card also offers 2X reward points on every Rs. 100 spent on online transactions, and 1 point per Rs. 100 on utility, insurance, rent, education, and government categories.

Milestone rewards include 500 bonus reward points for retail spending of Rs. 20,000 or more in a month, excluding fuel and cash transactions.

Cardholders enjoy complimentary railway lounge access, with 2 free entries per quarter at specified stations for both primary and add-on users.

For fuel transactions, there is a 1% surcharge waiver for transactions ranging from Rs. 400 to Rs. 5,000 per cycle, with a maximum of Rs. 150 benefit.

In terms of protection, the card offers extensive coverage against card loss, counterfeit, skimming, and online frauds after notification to the bank.

The card supports contactless payments up to Rs. 5,000 without a PIN, ensuring secure and swift transactions.

The XpressEMI facility allows for easy EMI conversions on transactions above Rs. 2,000.

Fees and charges include an annual fee of Rs. 2,999 plus taxes, a cash advance fee of 2.5% (min Rs. 100), revolving credit interest of 3.59% per month, and foreign transaction fees of 3.49%. Overlimit and late payment charges apply, along with applicable GST on fees and charges.

Eligibility criteria require the primary holder to be aged 21-60, and add-on cardholders aged 18+ and Indian residents. AU Bank's discretion applies for application approval.

Application can be initiated on AU Bank's website by selecting 'AU' in credit cards, followed by 'Apply Now'. Personal and financial information is required, with mobile verification via OTP, followed by assistance from a credit card expert.

Apart from the Altura Plus, AU Bank offers other cards such as the LIT, Zenith, Vetta, and Altura Credit Cards.