AU Bank Altura Plus Credit Card | Fees and Charges and How to Apply for AU Bank Altura Plus Credit Card

AU Bank Altura Plus Credit Card is a premium credit card offered by AU Small Finance Bank. It is designed to cater to the lifestyle needs of individuals who value convenience, luxury, and rewards.

The AU Bank Altura Plus Credit Card allows you to earn reward points every time you swipe the credit card for shopping, dining, and international spending. The annual fee of the credit card is Rs.499.

This article will provide an overview of the features and benefits of the AU Bank Altura Plus Credit Card.

Key Highlights of the AU Bank Altura Plus Credit Card

Listed below are the key highlights of the AU Bank Altura Plus Credit Card:

  • Get vouchers of Rs.500 when you spend Rs.10,000 or more within 60 days of the card is set up.
  • Get 2x reward points for every Rs.100 you spend on online transactions.
  • You get 1.5% cashback when you swipe the card at merchant outlets.
  • You get 1 reward point for every Rs.100 spent on retail.
  • Get 500 reward points as a bonus when you spend Rs.20,000 in one month.

Features and Benefits of the AU Bank Altura Plus Credit Card

Benefits of the AU Bank Altura Plus Credit Card

The features and benefits of the AU Bank Altura Plus Credit Card are mentioned below:

Welcome benefits:

  • Get vouchers of Rs.500 when you spend Rs.10,000 or more within 60 days of the card is set up.

Reward points benefits:

  • Get 2x reward points for every Rs.100 you spend on online transactions.
  • You get 1 reward point for every Rs.100 spent on retail.

Cashback benefits:

  • You get 1.5% cashback when you swipe the card at merchant outlets.

Fuel benefits:

  • Get a 1% waiver on the fuel surcharge when you use the AU Bank Altura Plus Credit Card to buy fuel at any fuel station in India.
  • The transaction amount has to be between Rs.400 and Rs.5,000.

Milestone benefits:

  • Get 500 reward points as a bonus when you spend Rs.20,000 in one month.
  • First-year fee waiver when you spend Rs.20,000 within 90 days.
  • Second-year fee waiver when you spend Rs.80,000 during the previous card anniversary year.

Railway lounge benefits:

  • Get 2 free railway lounge visits every calendar quarter at railway stations in:
    1. New Delhi
    2. Kolkata (Sealdah)
    3. Jaipur
    4. Ahmedabad
    5. Agra
    6. Madurai

Equated Monthly Instalment (EMI) benefits:

  • Easily convert transactions of Rs.2,000 or more into EMIs.
  • You can book an XpressEMI, by calling the bank’s customer care number at 180012001500.

Insurance benefits:

  • Card Liability Cover:
    1. Incur Zero liability if your lost credit card has been used to make fraudulent transactions after you have reported the loss of the card.
    2. Get protection against credit card skimming, online fraud, and card counterfeiting.

Features of AU Bank Altura Plus Credit Card

  1. Contactless Payment: The card comes with contactless payment technology, which allows cardholders to make payments simply by tapping their card on a card reader. This makes payments faster and more convenient, especially for small transactions.
  2. EMV Chip: The card also comes with an EMV chip that provides enhanced security for cardholders’ transactions. The chip generates a unique code for every transaction, making it difficult for fraudsters to clone the card or steal cardholder information.
  3. Easy EMI: The card also offers an easy EMI facility that allows cardholders to convert their high-value purchases into easy monthly installments. This makes it easier for cardholders to manage their finances and make big-ticket purchases without straining their budgets.
  4. Online Account Management: Cardholders can manage their card accounts online through the AU Bank website or mobile app. They can view their account statements, track their reward points, and make payments through the online platform.

Redemption of Points Earned on AU Bank Altura Plus Credit Card

  • E-vouchers of partner brands
  • Merchandise on the AU Bank catalog
  • Hotel room bookings
  • Flight ticket bookings
  • Mobile/Direct-to-home (DTH) recharges

Eligibility Criteria to Apply for the AU Bank Altura Plus Credit Card

  • The add-on cardholder has to be more than 18 years old.
  • As the primary cardholder, your age has to be between 21 years and 60 years.
  • You have to be a resident of India to apply for a credit card.

Fees and Charges of the AU Bank Altura Plus Credit Card

Type of chargeFee
Joining feeNIL
Annual feeRs.499
Fee for an add-on cardNIL
Cash advance fee2.5% of the amount withdrawn, subject to a minimum of Rs.100
Revolving credit charge3.49% per month (41.88% annually)
Minimum repayment amount5% or minimum Rs.100
Limit for cash advance40% of the credit limit
Overlimit charges2.5% of over limit amount, subject to a minimum of Rs.500
Credit card validation fee at loungesRs.2
Cash processing feeNIL
Fee for processing an outstation chequeRs. 25
Fee for redeeming reward pointsNIL
Late Payment Charges
Outstanding amountLate payment fee
Less than Rs.100NIL
Rs.100 to Rs.500Rs.100
Rs.501 to Rs.5,000Rs.400
Rs.5,001 to Rs.20,000Rs.500
More than Rs.20,000Rs.700
Processing fee for a balance transfer
  • 1% of the balance transfer amount
  • This fee is subject to a minimum amount of Rs.250
Foreign currency mark-up fee3.49%
Fee for duplicate physical statement requestRs.100
EMI conversion fee
  • 1% of the amount you convert into EMIs
  • The EMI conversion fee is subject to a minimum of Rs.250
Fee for reissue of lost/damaged/stolen credit cardRs.100
The charge for Priority Pass Lounge$27 plus taxes per person for every visit
Goods and Services Tax (GST)18%

FAQs on AU Bank Altura Plus Credit Card

  1. How do I reach the AU Bank concierge desk?You can reach the AU Bank concierge desk by calling the toll-free number, 18002100298. You can also call 022-42320298 to reach the concierge desk.
  2. How do I claim the insurance benefits available with the credit card?To claim the insurance benefits, you can call AU Bank customer care at 180012001500.
  3. What is the interest-free period for the AU Bank Altura Plus Credit Card?The interest-free period is up to 50 days.

Conclusion

The AU Bank Altura Plus Credit Card is a premium credit card that offers a wide range of benefits and features to cardholders. From attractive welcome offers to comprehensive rewards programs, the card provides a host of perks that cater to the lifestyle needs of its users. With its contactless payment technology, EMV chip, and online account management, the card also provides enhanced security and convenience for cardholders.

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