The AU Small Finance Bank Altura Plus Credit Card is a basic credit card that offers cashback and reward points together, with multiple options for redeeming reward points.
The main feature of the AU Altura Plus Credit Card is 1.5% cashback on all POS (point of sale) spending. After reaching the maximum cashback limit, you will now earn 1 reward point for every INR 100 spent on all POS spending.
Read here what is POS
The annual card membership fee is INR 500 + GST (which will be waived off on minimum spending as mentioned below).
Spend INR 20,000 within the first 90 days to waive the first year’s membership fee.
On INR 80,000 retail spend in the previous card anniversary year, the second-year membership fee will also be waived.
2X reward points for all online transactions (not for cash, fuel, rent, etc.). To know more about the features of this credit card, please read the full article.
Key Highlights of the AU Altura Plus Credit Card
| Feature | Details |
|---|---|
| Joining Fee/ Issue Fee | INR 499 + GST (can be waived off ) |
| Renewal Fee | INR 499 + GST (can be waived off ) |
| Best suited for | Shopping & Cashback |
| Welcome Benefits | No welcome benefits |
| Cashback | 1.5 % (Maximum INR 100 per month) |
| Card Network | Visa |
| Railway Lounges | 2 complimentary lounge access per quarter (2 hours entry and stay) |
Railway lounge access is available in the following cities: New Delhi, Kolkata, Jaipur, Ahmedabad, Agra, Madurai
Table of Contents
AU Altura Plus Credit Card Benefits and Features
Cashback Features:
You will earn 1.5% cashback on all retail purchases made through POS machines at merchant outlets (maximum INR 100 per statement).
After that, 1 reward point for every INR 100 spent on retail purchases (excluding fuel) through POS.
Milestone Benefits:
As a milestone benefit, you will get 500 bonus reward points when your total retail spend reaches INR 20,000 or more in a calendar month (not on fuel purchases).
Fuel Surcharge Waiver:
Get a 1% fuel surcharge waiver on fuel transactions between INR 400 and INR 5,000 at any petrol pump in India. You can save up to INR 150 in one statement cycle.
Where can you redeem the reward points?
- You can use reward points for e-vouchers of popular brands, gifts and products (merchandise), mobile and DTH recharge, flight and hotel bookings, and more.
- 1 Reward Point = INR 0.25
AU Altura Plus Credit Card: Fees & Charges
| Fee Type | Details |
|---|---|
| Joining Fee (Primary Cardholder) | INR 499 + GST |
| Renewal Fee | INR 499 + GST |
| Add-on Cardholder Fee | Zero |
| Cash Withdrawal Fee | 2.5% of the withdrawal amount or INR 500 (whichever is higher) |
| Fuel Surcharge Waiver | 1% fuel surcharge refund (Max INR 150 per month) |
| Interest-Free Period | Up to 48 days (Only for online transactions, not valid for cash withdrawals) |
| Interest Charges (Revolving Credit) | 3.59% per month (43.08% per annum) + GST |
| Overlimit Charges | 2.5% of the overlimit amount or INR 500 (whichever is higher) |
| Minimum Due | 5% of the total bill amount (including previous dues) or INR100 (whichever is higher) |
| Foreign Currency Transaction Markup | 3.49% of the total transaction amount |
| Duplicate Physical Statement Fee | INR 100 per request |
| EMI Conversion Charges | Instant EMI – INR 199 + GST Xpress EMI – 1% of the total convertible EMI amount (min INR 99 + GST) |
| Cash Advance Limit | Up to 40% of the total credit card limit |
| Card-to-Card Transfer | INR 199 + GST |
| Xpress Loan Processing | 2% of the loan amount |
| Xpress Loan Pre-closure | 3% of the outstanding principal |
| Card liability cover | Zero liability for any fraudulent |
AU Altura Plus Credit Card: Late Payment Charges
Late payment charges apply if the minimum due is not paid by the due date by the cardholder.
| Total Amount Due / Statement Balance | Late Payment Charges |
|---|---|
| INR 100 or less | No Charges |
| INR 101 – INR 500 | INR 100 Fixed Charge |
| INR 501 – INR 5,000 | INR 600 Fixed Charge |
| INR 501 – INR 10,000 | INR 700 Fixed Charge |
| INR 10,001 – INR 20,000 | INR 800 Fixed Charge |
| INR 20,001 – INR 50,000 | INR 1,100 Fixed Charge |
| More than INR 50,000 | INR1,300 Fixed Charge |
Eligibility for AU Altura Plus Credit Card
- Self-Employed: 25 to 65 years
- Salaried: 21 to 60 years
- Add-on cardholder: Above 18 years
Document Requirements for AU Altura Plus Credit Card
- Proof of Identity
- Proof of Address
- Proof of Income
AU Small Finance Bank Credit Card – Fair Usage Charges
| Category | Conditions with applicable charges |
|---|---|
| 1. Fuel Spends | (1) If total monthly fuel spend is less than 50% of credit limit or INR 50,000- No charges (2) If more than 50% of the credit limit or INR 50,000- 1% fee on the entire fuel amount |
| 2. Utility Spends | (1) If total monthly utility bill payments are less than INR 50,000- No charges (2) If more than INR 50,000- 1% fee on the entire utility spend |
| 3. Education Spend | (1) Paid directly to college/school (website or swipe machine) or international- No charges (2) Paid through apps like CRED, PhonePe, Paytm, etc.- 1% fee, minimum INR 99 per transaction |
| 4. Rental Spend | (1) Domestic rent payments- 1% fee, minimum INR 99 per transaction (2) International rent payments- No charges |
AU Bank Altura Plus Credit Card Customer Care
For any queries related to your AU Bank Altura Plus Credit Card, you can contact customer support through the following channels:
- 24×7 Call Centre Number (Toll Free): 1800 1200 1500
- For Reward Points related queries: [email protected] or 1800 889 1888
- Email Support: [email protected]
What services are offered by the railway lounge access?
After INR 2 transaction is done by the credit card, you can stay for two hours and enjoy free coffee and tea, one buffet meal, free Wi-Fi, a newspaper, and a magazine.
What is the interest-free period for the AU Bank Altura Plus Credit Card?
Up to 48 days (not applicable for cash withdrawal).