AU Bank Altura Plus Credit Card: Benefits, Rewards, and Features

AU Bank Altura Plus Credit Card: Benefits, Rewards, and Features

AU Small Finance Bank has introduced the AU Bank Altura Plus Credit Card, which comes with a host of benefits for cardholders. These benefits include milestone gains, cashback, reward points, fuel surcharge waiver, and more. Customers can accumulate reward points and redeem them in various ways. Additionally, purchases above Rs. 2,000 can be converted into easy EMIs.

The AU Bank Altura Plus Credit Card has an annual card membership fee of Rs. 499 plus applicable taxes. It is suitable for those looking for cashback and rewards. The card is available to individuals aged 21 to 60 years.

First-time cardholders can enjoy vouchers of top brands worth Rs. 500. To avail this offer, they need to make retail spends of at least Rs. 10,000 within 60 days of card setup. The card also offers 1.5% cashback on all POS retail spends at merchant outlets, with a maximum cashback of Rs. 100 per statement cycle. Customers earn 1 reward point for every Rs. 100 spent on retail (excluding fuel) on POS, once they reach the maximum cashback limit.

Furthermore, the AU Bank Altura Plus Credit Card provides 2X reward points on every Rs. 100 spent on all online retail transactions. It offers 1 reward point for every Rs. 100 spent on utility, insurance, rent, education, and government categories.

Cardholders can benefit from milestone rewards as well. They receive 500 bonus reward points when they spend Rs. 20,000 or more on retail in a calendar month. However, fuel transactions and cash withdrawals are not included in the bonus reward points calculation.

The card also grants customers complimentary railway lounge access. They can enjoy 2 complimentary lounge access per calendar quarter with VISA cards at railway stations in New Delhi, Kolkata (Sealdah), Ahmedabad, Jaipur, and Agra. This benefit is extended to add-on cardholders as well.

For fuel transactions, the AU Bank Altura Plus Credit Card offers a 1% fuel surcharge waiver. This offer is applicable for fuel transactions between Rs. 400 and Rs. 5,000 per statement cycle across all fuel stations in India. The maximum benefit available is Rs. 150 per statement cycle.

In terms of protection, the card provides a comprehensive cover. Cardholders have credit liability cover in case of credit card loss, with no liability for fraudulent transactions after reporting the loss to the bank. The cover also includes protection against card counterfeit/skimming and online frauds.

The AU Bank Altura Plus Credit Card offers contactless card usage, allowing customers to make quick, secure, and easy payments by tapping the Altura Plus card at participating merchants. This feature does not require a credit card PIN for amounts up to Rs. 5,000.

Customers can also avail the XpressEMI facility, which allows them to convert transactions of Rs. 2,000 or more into easy EMI options based on their preferred tenure.

Regarding fees and charges, the card has an annual membership fee of Rs. 2,999 plus applicable taxes. The cash advance fee is 2.5% (minimum Rs. 100), and the charges on revolving credit are 3.59% per month (43.08% annually). Foreign currency transactions incur a charge of 3.49%. The overlimit charge is 2.5% of the over limit amount (minimum Rs. 500), and the late payment charges range from Rs. 0 to Rs. 1,100. Other applicable charges include loan processing fee, loan preclosure charge, balance transfer on EMI processing charges, EMI conversion charges, cheque/ECS/NACH/autopay return charges, card validation charges for lounges, reissuance charges for lost/stolen/damaged cards, duplicated physical statement request charges, and outstation cheque processing charges. 18% GST is applicable on all fees, interest, and charges.

To be eligible for the AU Bank Altura Plus Credit Card, the primary cardholder must be between 21 and 60 years old. The add-on cardholder must be at least 18 years old, and the applicant should be a resident of India. However, AU Bank reserves the right to approve or decline credit card applications based on their own discretion.

To apply for the AU Bank Altura Plus Credit Card, individuals can visit the credit cards section on the AU Small Finance Bank website. They need to select 'AU' from the dropdown menu and click on the 'Apply Now' button. The application requires providing personal information, employment details, income details, and more. After verifying the mobile number with an OTP, applicants can expect a call from a credit card expert to assist them with completing the application process.

In addition to the Altura Plus Credit Card, AU Small Finance Bank also offers other credit card variants such as the LIT Credit Card, Zenith Credit Card, Vetta Credit Card, and Altura Credit Card.

AU Small Finance Bank has introduced the AU Bank Altura Plus Credit Card, which comes with a host of benefits for cardholders. These benefits include milestone gains, cashback, reward points, fuel surcharge waiver, and more. Customers can accumulate reward points and redeem them in various ways. Additionally, purchases above Rs. 2,000 can be converted into easy EMIs.

The AU Bank Altura Plus Credit Card has an annual card membership fee of Rs. 499 plus applicable taxes. It is suitable for those looking for cashback and rewards. The card is available to individuals aged 21 to 60 years.

First-time cardholders can enjoy vouchers of top brands worth Rs. 500. To avail this offer, they need to make retail spends of at least Rs. 10,000 within 60 days of card setup. The card also offers 1.5% cashback on all POS retail spends at merchant outlets, with a maximum cashback of Rs. 100 per statement cycle. Customers earn 1 reward point for every Rs. 100 spent on retail (excluding fuel) on POS, once they reach the maximum cashback limit.

Furthermore, the AU Bank Altura Plus Credit Card provides 2X reward points on every Rs. 100 spent on all online retail transactions. It offers 1 reward point for every Rs. 100 spent on utility, insurance, rent, education, and government categories.

Cardholders can benefit from milestone rewards as well. They receive 500 bonus reward points when they spend Rs. 20,000 or more on retail in a calendar month. However, fuel transactions and cash withdrawals are not included in the bonus reward points calculation.

The card also grants customers complimentary railway lounge access. They can enjoy 2 complimentary lounge access per calendar quarter with VISA cards at railway stations in New Delhi, Kolkata (Sealdah), Ahmedabad, Jaipur, and Agra. This benefit is extended to add-on cardholders as well.

For fuel transactions, the AU Bank Altura Plus Credit Card offers a 1% fuel surcharge waiver. This offer is applicable for fuel transactions between Rs. 400 and Rs. 5,000 per statement cycle across all fuel stations in India. The maximum benefit available is Rs. 150 per statement cycle.

In terms of protection, the card provides a comprehensive cover. Cardholders have credit liability cover in case of credit card loss, with no liability for fraudulent transactions after reporting the loss to the bank. The cover also includes protection against card counterfeit/skimming and online frauds.

The AU Bank Altura Plus Credit Card offers contactless card usage, allowing customers to make quick, secure, and easy payments by tapping the Altura Plus card at participating merchants. This feature does not require a credit card PIN for amounts up to Rs. 5,000.

Customers can also avail the XpressEMI facility, which allows them to convert transactions of Rs. 2,000 or more into easy EMI options based on their preferred tenure.

Regarding fees and charges, the card has an annual membership fee of Rs. 2,999 plus applicable taxes. The cash advance fee is 2.5% (minimum Rs. 100), and the charges on revolving credit are 3.59% per month (43.08% annually). Foreign currency transactions incur a charge of 3.49%. The overlimit charge is 2.5% of the over limit amount (minimum Rs. 500), and the late payment charges range from Rs. 0 to Rs. 1,100. Other applicable charges include loan processing fee, loan preclosure charge, balance transfer on EMI processing charges, EMI conversion charges, cheque/ECS/NACH/autopay return charges, card validation charges for lounges, reissuance charges for lost/stolen/damaged cards, duplicated physical statement request charges, and outstation cheque processing charges. 18% GST is applicable on all fees, interest, and charges.

To be eligible for the AU Bank Altura Plus Credit Card, the primary cardholder must be between 21 and 60 years old. The add-on cardholder must be at least 18 years old, and the applicant should be a resident of India. However, AU Bank reserves the right to approve or decline credit card applications based on their own discretion.

To apply for the AU Bank Altura Plus Credit Card, individuals can visit the credit cards section on the AU Small Finance Bank website. They need to select 'AU' from the dropdown menu and click on the 'Apply Now' button. The application requires providing personal information, employment details, income details, and more. After verifying the mobile number with an OTP, applicants can expect a call from a credit card expert to assist them with completing the application process.

In addition to the Altura Plus Credit Card, AU Small Finance Bank also offers other credit card variants such as the LIT Credit Card, Zenith Credit Card, Vetta Credit Card, and Altura Credit Card.

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