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Au Altura Plus Credit Card

AU Altura Plus Credit Card
(4.5) Reviews

AU Bank Altura Plus Credit Card: Comprehensive Benefits and Features

Best suited for
  • Rewards
  • Lounge Access
  • Shopping
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  • Joining Fee: ₹499 + GST

The AU Bank Altura Plus Credit Card is a versatile financial instrument designed to enhance your purchasing power while also offering a host of benefits to suit your lifestyle. From cashback on everyday purchases to reward points on online transactions, this card aims to deliver value on every swipe.

Key Features and Benefits of Altura Plus Credit Card

  • Cashback on Retail Spends
    • Enjoy a 1.5% cashback on all point-of-sale (POS) retail transactions at merchant outlets, with a maximum cashback of ₹100 per statement cycle. After reaching this limit, you’ll continue to earn 1 reward point per ₹100 spent on POS retail transactions (excluding fuel).
  • Reward Points for Online Transactions
    • Earn double the reward points—2 points per ₹100 spent—on all online transactions, allowing you to maximize benefits from your digital purchases.
  • Monthly Milestone Bonus
    • Receive 500 bonus reward points when you spend ₹20,000 or more on retail purchases within a calendar month, incentivizing higher spending with greater rewards.
  • Complimentary Railway Lounge Access
    • Benefit from two complimentary lounge accesses per calendar quarter at select railway stations across India, enhancing your travel comfort.
  • Fuel Surcharge Waiver
    • Get a 1% waiver on fuel surcharges for transactions between ₹400 and ₹5,000 at fuel stations nationwide, with a maximum waiver of ₹150 per statement cycle, making your fuel purchases more economical.
  • Comprehensive Card Liability Cover
    • Enjoy zero liability on fraudulent transactions made after reporting a lost card, along with protection against card counterfeiting, skimming, and online frauds, ensuring peace of mind.
  • Flexible EMI Conversion
    • Convert transactions worth ₹2,000 or more into easy EMIs with flexible tenure options, providing financial flexibility for larger purchases.
  • Contactless Payment Convenience
    • Make quick, secure, and easy payments by simply tapping your card at participating merchants for transactions up to ₹5,000, enhancing the ease of use.

Eligibility Criteria

  • Primary cardholder age group: Self Employed: 25 years to 65 years & Salaried: 21 years to 60 years
  • Add-on cardholder: Above 18 years.
  • Resident: Must be a resident of India.

How to Apply?

  • To apply for the AU Bank Altura Plus Credit Card:

    1. Online Application: Visit the AU Bank official website and fill out the application form with the required details.
    2. Document Submission: Provide necessary documents such as proof of identity, address, and income.
    3. Verification: Await verification and approval from the bank.
    4. Card Issuance: Upon approval, the credit card will be dispatched to your registered address.

Fees and Charges

Joining Fees₹ 499 + GST
Annual Fees₹ 499 + GST
Cash Advance Charges2.5% of the Cash withdrawal amount or ₹ 500, whichever is higher.
Fuel Surcharge WaiverMaximum of ₹ 150 per statement month.
Railway Ticket Purchase FeeAs prescribed by Indian Railways / IRCTC
Interest Free PeriodUp to 48 Days (Not applicable for cash withdrawal)
Interest Charges3.59% per month (43.08% per annum) + GST
Late Payment Charges (Basis Credit Card Bill Amount)Less than or equal to ₹ 100 : Nill
Above ₹ 100 and up to ₹ 500 : ₹ 100
Above ₹ 500 and up to ₹ 5,000 : ₹ 600
Above ₹ 5,000 and up to ₹ 10,000 : ₹ 700
Above ₹ 10,000 and up to ₹ 20,000 : ₹ 800
Above ₹ 20,000 and up to ₹ 50,000 : ₹ 1100
Above ₹ 50,000 : ₹ 1300
Overlimit Charges2.5% of overlimit amount, subject to a minimum of ₹ 500
Cash Advance LimitUp to 40% of the card limit
Billing StatementPeriodicity: Monthly on a pre-determined date.
Mode: As per customer's choice.
E-statement through SMS or E-mail & Physical statement through courier
Outstation Cheque Processing Charges₹ 25/-
Foreign Currency Transaction/ Dynamic & Static Conversion Transactions - Cross Currency Markup Charges3.49%
Payment Return Charges2% of Total Amount Due or Minimum of ₹ 500 whichever is higher on return/failure of Credit Card outstanding payment (Cheque, ECS/NACH, Autopay).
Duplicated Physical Statement Request Charges₹ 100/-
EMI Conversion Charges1% of the amount being converted to EMI, subject to a minimum of ₹ 99 + GST.
Reward Point RedemptionA nominal fee of ₹ 99 + GST will be levied on each successful redemption.
Card Transfer Charges ₹ 199 + GST

Pros and Cons of the AU Bank Altura Plus Credit Card

Pros

  • Attractive cashback and unlimited reward points on online transactions.
  • Complimentary railway lounge access enhances travel comfort.
  • Spend-based waiver of annual fees adds value for high spenders.

Cons

  • No airport lounge access, limiting benefits for frequent flyers.
  • Maximum cashback per statement cycle is capped at ₹100, which may be limiting for some users.

Conclusion

The AU Bank Altura Plus Credit Card is a great option for reward seekers, online shoppers, and frequent travelers who want cashback, railway lounge access, and easy EMI conversion. Its low annual fee and milestone-based waiver make it a value-for-money credit card.

Frequently Asked Questions

Reward points can be redeemed through the AU Rewardz portal for e-vouchers, merchandise, mobile/DTH recharges, flight/hotel bookings, and more.

No, there is no maximum cap on the reward points you can earn with this card.

No, fuel transactions are excluded from earning reward points or cashback.

A foreign currency markup fee of 3.49% is applicable on all international transactions.

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