AU Bank Altura Plus Credit Card

Welcome to our in-depth review of the AU Bank Altura Plus Credit Card. In today’s fast-paced world, having a credit card that aligns with your financial goals and lifestyle is crucial. The AU Bank Altura Plus Credit Card is designed to provide you with a range of premium benefits and rewards, making it an excellent choice for those seeking financial flexibility and added perks.

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AU Bank Altura Plus Credit Card

Key Highlights of AU Bank Altura Plus Credit Card

Annual card membership feeRs. 499 + applicable taxes
EMI conversion facilityAvailable on transactions above Rs. 2,000
Suitable forCashback & rewards
Age21 to 60 years

Features and Benefits of AU Bank Altura Plus Credit Card

Benefits for First Time Card Holders:
Get INR 500 worth of vouchers on spending a minimum of INR 10,000 within 60 days of card setup. Choose from top brands.

Cashback Features:

    • Earn 1.5% cashback on all retail purchases made at merchant outlets.
    • Maximum cashback per statement cycle is INR 100.
    • Get 1 Reward Point per INR 100 spent on retail purchases (excluding fuel) after reaching the cashback limit.

Reward Points:

    • Earn 2X Reward Points on all online transactions (2 points per INR 100 spent).
    • Earn 1 Reward Point per INR 100 spent on Utility, Rent, Insurance, and Education & Govt. category spends.

Milestone Benefit:

    • Receive 500 Bonus Reward Points every month for spending INR 20,000 or more in a calendar month.
    • Fuel transactions and cash withdrawals are not included in the Bonus Reward Points calculation.

Railway Lounges:

    • Enjoy 2 complimentary lounge access per calendar quarter at railway stations using VISA Card.
    • Add-on cardholders can also avail of these lounge benefits.

Fuel Surcharge Waiver:

    • Get a 1% fuel surcharge waiver on transactions between INR 400 and INR 5,000 at any fuel station.
    • Maximum waiver per statement cycle is INR 150.

AU Rewardz:
Redeem Reward Points for various benefits, including e-vouchers, merchandise, mobile/DTH recharges, flight/hotel bookings, and more.

Card Liability Cover:

    • Zero liability on fraudulent transactions after reporting the loss of the Credit Card.
    • Protection against Card Counterfeit/Skimming and Online frauds.

Contactless Card Usage:
Make secure and easy payments by tapping the card at participating merchants for amounts up to INR 5000 without entering a PIN.

XpressEMI:
Convert transactions worth INR 2,000 or more into easy EMI options on select tenures by contacting the Customer Care helpline.

AU Bank Altura Plus Credit Card Fees and Charges

  • Annual Card Membership Fee: Rs. 499 + taxes.
  • 1st Year Fee Waiver: Spend Rs. 20,000 on purchases within 90 days of getting the card.
  • 2nd Year Onwards Fee Waiver: Spend Rs. 80,000 on purchases during the previous card anniversary year.

AU Bank Altura Plus Credit Card Eligibility

  • The main person applying for the credit card should be between 21 and 60 years old.
  • Additional cardholders can be added, but they must be over 18 years old.
  • The credit card is available only to Indian residents.

Documents Required for AU Bank Altura Plus Credit Card

To apply for the Altura Plus Credit Card, you’ll need to provide these documents:

Identity Proof: You can use your Voter’s Card, Aadhar Card, PAN Card, Passport, or Driving License.
Address Proof: You can use recent Utility bills, Ration Card, Aadhar Card, or Passport.
Income Proof: Submit your latest three months’ salary slips/bank statements or the latest audited Income Tax Return (ITR).

How to apply for AU Bank Altura Plus Credit Card?

Here are the steps to apply for the AU Bank Altura Plus Credit Card:

    1. Go to AU Small Finance Bank’s official website.
    2. Click on ‘Cards’ and select ‘Credit Cards.’
    3. Choose the Altura Plus Credit Card and click ‘View Details.’
    4. Click on ‘Apply Now.’
    5. Provide your mobile number and enter the OTP you receive for verification.
    6. Fill in all the necessary information.

Frequently Asked Questions (FAQs) -

The AU Bank Altura Plus Credit Card is a premium credit card offered by AU Small Finance Bank. It is designed to provide cardholders with a range of exclusive benefits, rewards, and privileges tailored to enhance their lifestyle.

You can apply for the AU Bank Altura Plus Credit Card through the bank’s official website or by visiting a branch. The application process typically involves submitting personal and financial information for review.

The Altura Plus Credit Card comes with features such as accelerated rewards, complimentary airport lounge access, exclusive discounts on partner merchants, and a host of lifestyle benefits. Refer to the card’s terms and conditions for detailed information on its features.

Eligibility criteria may vary, but generally, applicants should meet certain income requirements and have a good credit score. Specific details can be obtained from the bank’s website or by contacting their customer service.

The AU Bank Altura Plus Credit Card often comes with a rewards program where you earn points for every eligible transaction. These points can be redeemed for a variety of rewards such as travel, merchandise, or cashback. Check the rewards catalog for more details.

The annual fee for the Altura Plus Credit Card, if any, will be mentioned in the terms and conditions. Some credit cards may have an annual fee, while others may offer a waiver based on spending criteria or promotional offers.

Yes, AU Bank provides online banking services, allowing you to manage your credit card account, check statements, pay bills, and track rewards through their secure online portal or mobile app.

For any queries or assistance related to the Altura Plus Credit Card, you can contact AU Bank’s customer service through the phone numbers provided on their website or visit a local branch.

AU Bank employs various security measures, including EMV chip technology, one-time passwords (OTPs), and fraud monitoring, to ensure the security of your Altura Plus Credit Card transactions. Familiarize yourself with the security features to use the card safely.

AU Bank may offer the option to get an add-on card for family members. The terms and conditions, as well as eligibility criteria for add-on cards, can be obtained from the bank’s website or customer service.