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AU Bank Altura Plus Credit Card

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 spends. The annual fee of the credit card is Rs.499.

Looking for your first credit card? Apply here!

Key Highlights of the AU Bank Altura Plus Credit Card

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

  1. Get vouchers of Rs.500 when you spend Rs.10,000 or more within 60 days of the card being set up.
  2. Get 2x reward points for every Rs.100 you spend on online transactions.
  3. You get 1.5% cashback when you swipe the card at merchant outlets.
  4. You get 1 reward point for every Rs.100 spent on retail.
  5. 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

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

Apply AU Bank Altura Plus Credit Card Online

Welcome benefits:

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

Reward points benefits:

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

Cashback benefits:

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

Fuel benefits:

  1. Get 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.
  2. The transaction amount has to be between Rs.400 and Rs.5,000.

Milestone benefits:

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

Railway lounge benefits:

  1. 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:

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

Insurance benefits:

  1. 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 frauds, and card counterfeit.
Looking for your first credit card? Apply here!

Redemption of Points Earned on AU Bank Altura Plus Credit Card

  1. E-vouchers of partner brands
  2. Merchandise on the AU Bank catalogue
  3. Hotel room bookings
  4. Flight ticket bookings
  5. Mobile/Direct-to-home (DTH) recharges

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

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

Fees and Charges of the AU Bank Altura Plus Credit Card

Type of charge

Fee

Joining fee

NIL

Annual fee

Rs.499

Fee for an add-on card

NIL

Cash advance fee

2.5% of amount withdrawn, subject to a minimum of Rs.100

Revolving credit charge

3.49% per month (41.88% annually)

Minimum repayment amount

5% or minimum Rs.100

Limit for cash advance

40% of the credit limit

Overlimit charges

2.5% of overlimit amount, subject to a minimum of Rs.500

Credit card validation fee at lounges

Rs.2

Cash processing fee

NIL

Fee for processing an outstation cheque

Rs. 25

Fee for redeeming reward points

NIL

Late Payment Charges

  1. Less than Rs.100: NIL
  2. Rs.100 to Rs.500: Rs.100
  3. Rs.501 to Rs.5,000: Rs.400
  4. Rs.5,001 to Rs.20,000: Rs.500
  5. More than Rs.20,000: Rs.700

Processing fee for balance transfer

  1. 1% of the balance transfer amount
  2. This fee is subject to a minimum amount of Rs.250

Foreign currency mark-up fee

3.49%

Fee for duplicate physical statement request

Rs.100

EMI conversion fee

  1. 1% of the amount you convert into EMIs
  2. The EMI conversion fee is subject to a minimum of Rs.250

Fee for reissue of lost/damaged/stolen credit card

Rs.100

Charge for Priority Pass Lounge

$27 plus taxes per person for every visit

Goods and Services Tax (GST)

18%

Looking for your first credit card? Apply here!

FAQs on AU Bank Altura Plus Credit Card

  • 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.

  • How do I claim the insurance benefits available with the credit card?

    To claim the insurance benefits, you can call the AU Bank customer care at 180012001500.

  • What is the interest-free period for the AU Bank Altura Plus Credit Card?

    The interest-free period is up to 50 days.

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  5. Credit Card Insurance Benefits
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Credit Card Customer Care
  1. SBI Credit Card Customer Care
  2. HDFC Bank Credit Card Customer Care
  3. Axis Bank Credit Card Customer Care
  4. Federal Bank Credit Card Customer Care
  5. IndusInd Bank Credit Card Customer Care
  6. PNB Credit Card Customer Care
  7. RBL Bank Credit Card Customer Care
  8. Kotak Credit Card Customer Care
  9. Yes Bank Credit Card Customer Care
  10. Standard Chartered Credit Card Customer Care
  11. Canara Bank Credit Card Customer Care
  12. HSBC Credit Card Customer Care
  13. Indian Bank Credit Card Customer Care
  14. Bank of Baroda Credit Card Customer Care
  15. Bank of India Credit Card Customer Care
  16. Union Bank of India Credit Card Customer Care
Credit Card Bill Payment
  1. Credit Card Bill Payment
  2. SBI Credit Card Bill Payment
  3. HDFC Credit Card Bill Payment
  4. Federal Bank Credit Card Bill Payment
  5. Axis Bank Credit Card Bill Payment
  6. IndusInd Credit Card Bill Payment
  7. Kotak Credit Card Bill Payment
  8. Standard Chartered Credit Card Bill Payment
  9. RBL Bank Credit Card Bill Payment
  10. HSBC Credit Card Bill Payment
  11. PNB Credit Card Bill Payment
  12. Canara Bank Credit Card Bill Payment
  13. Bank of Baroda Credit Card Bill Payment
  14. Bank of India Credit Card Bill Payment
  15. Union Bank Credit Card Bill Payment
Credit Card Eligibility
  1. Credit Card Eligibility
  2. SBI Credit Card Eligibility
  3. HDFC Credit Card Eligibility
  4. Federal Bank Credit Card Eligibility
  5. Axis Bank Credit Card Eligibility
  6. Yes Bank Credit Card Eligibility
  7. IndusInd Bank Credit Card Eligibility
  8. HSBC Credit Card Eligibility
  9. Kotak Credit Card Eligibility
  10. Canara Bank Credit Card Eligibility
  11. Standard Chartered Credit Card Eligibility
  12. RBL Bank Credit Card Eligibility
  13. Bank of Baroda Credit Card Eligibility
  14. Union Bank Credit Card Eligibility
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