AU Bank Altura Credit Card

Welcome to our in-depth guide on the AU Bank Altura Credit Card. In this article, we’ll explore the various features, benefits, and advantages that come with owning this credit card from AU Bank. Whether you’re looking to streamline your financial transactions, earn rewards, or gain access to exclusive privileges, the AU Bank Altura Credit Card could be the right choice for you. Join us as we delve into the details and help you make an informed decision about this credit card option.

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AU Bank Altura Credit Card

Key Highlights of AU Bank Altura Credit Card

Joining FeeRs. 199 + Taxes
Annual FeeRs. 199 (can be waived off if retail spends of Rs.10,000 done within 90 days of card set up
Welcome Benefits5% cashback on retail spends of ₹2500 or more within 60 days of card issuance
Most Suitable ForCashback & Rewards

Features and Benefits of AU Bank Altura Credit Card

Welcome Offer:
Get 5% cashback on retail spends of at least INR 2,500 in the first 60 days of getting the card. Maximum cashback per cycle is INR 150.

Cashback Features:

    • Earn 2% cashback on retail spends at Grocery stores, Departmental stores, and Utility bill payments. Max cashback per cycle is INR 50.
    • Get 1% cashback on all other retail spends*. Max cashback per cycle is INR 50.
      *Excludes Fuel, Rent, Wallet & Cash transactions.

Milestone Benefit:
Get an extra INR 50 cashback for spending a minimum of INR 10,000 in each statement cycle.

Railway Lounges:

    • Enjoy 2 complimentary lounge accesses at railway stations each calendar quarter with your VISA Card.
    • Add-on cardholders also get these Railway lounge benefits within the complimentary visits.

Fuel Surcharge Waiver:
Get a 1% fuel surcharge waiver for transactions between INR 400 and INR 5,000 at any fuel station. Max INR 100 per cycle.

Card Liability Cover:

    • If you report the loss of your Credit Card to the bank, you won’t be liable for fraudulent transactions.
    • Protection against Card Counterfeit/Skimming and Online frauds.

Contactless Card Usage:
Make quick, secure & easy payments up to INR 5000 by just tapping your AU Credit Card at participating merchants without entering a PIN.

Convert transactions worth INR 2,000 or more into easy EMI options on select tenure by calling Customer Care.

AU Bank Altura Credit Card Fees and Charges

  • The card membership fee is Rs. 199, plus taxes.
  • To get the fee waived for the first year, you need to spend Rs. 10,000 on purchases within 90 days of getting the card.
  • For fee waiver in the following years, you should spend Rs. 40,000 on purchases in the year before your card anniversary.

AU Bank Altura Credit Card Eligibility

  • Primary cardholder between the age of 21 years and 60 years.
  • Allows add-on cardholders who are over 18 years old.
  • Available to Indian residents.

How to apply for AU Bank Altura Credit Card?

  1. Go to the official website of AU Bank:
  2. Find the “Cards” section and click on “Credit Card.”
  3. Look for the AU Small Finance Bank Altura Credit Card and click on “View Details.”
  4. Click on the “Apply Now” button.
  5. Enter your mobile number and verify it with the One-Time Password (OTP) received.
  6. Continue with the application process to apply for the credit card.

Frequently Asked Questions (FAQs) -

AU Bank Altura Credit Card is a feature-rich credit card offered by AU Small Finance Bank. It provides various benefits, including rewards, discounts, and exclusive privileges, tailored to meet the diverse needs of cardholders.

You can apply for an AU Bank Altura Credit Card through the official website of AU Small Finance Bank. The application process typically involves filling out an online form, submitting necessary documents, and meeting the bank’s eligibility criteria.

Eligibility criteria may vary, but typically include factors such as age, income, employment status, and credit score. Check the bank’s website or contact their customer service for specific details.

The AU Bank Altura Credit Card offers a range of rewards, including cashback, discounts on shopping, dining privileges, travel benefits, and more. The specific rewards may vary depending on the card variant and promotions offered by the bank.

You can check the status of your credit card application by logging into your AU Bank account online or by contacting the bank’s customer service. They will provide you with updates on the application process.

The credit limit assigned to your AU Bank Altura Credit Card depends on various factors such as your income, credit history, and the bank’s internal policies. The bank will communicate your approved credit limit upon card approval.

AU Bank provides various methods to pay your credit card bill, including online banking, NEFT/RTGS, cheque payments, and auto-debit facilities. You can choose the most convenient option based on your preference.

The annual fee for AU Bank Altura Credit Card may vary depending on the card variant. Some cards may have an annual fee, while others may offer fee waivers based on spending patterns. Check the terms and conditions for accurate information.

In case your AU Bank Altura Credit Card is lost or stolen, immediately contact the bank’s customer service helpline to report the incident. The bank will guide you through the process of blocking the card and issuing a replacement.

Yes, AU Bank Altura Credit Card provides the option to convert eligible transactions into easy monthly installments (EMIs). You can explore this feature through the bank’s online portal or by contacting customer service.