The AU Bank Altura Credit Card, available through AU Small Finance Bank, is crafted to offer customers convenient and adaptable payment choices. This credit card facilitates the seamless payment for goods and services across a diverse range of merchants, both online and offline. What sets it apart is the flexibility it provides in repaying borrowed amounts over time.
You have the option to settle the outstanding balance either in full or choose the convenience of making minimum monthly payments. For a more detailed understanding of these exclusive offers, continue reading.
Table of Contents
Benefits and Features of AU Bank Altura Credit Card
| Benefits and Features | AU Bank Altura Credit Card |
|---|---|
| Welcome Benefits | Upon making retail spends of Rs. 2,500 or more within the initial 60 days, enjoy a generous 5% cashback as a welcome bonus. |
| Cashback/Rewards Points | Utility Bills, Groceries, and Departmental Stores: Earn a cashback of 2% on utility bills, groceries, and departmental store expenditures. All Other Spends: Receive a cashback of 1% on all other spends, adding to your savings with every transaction. |
| Travel Benefits | Experience the comfort of complimentary access to railway lounges, enhancing your travel experience. |
| Dining Benefits | While specific dining benefits are not mentioned, the card may offer additional perks or promotions related to dining. |
| Domestic Lounge Access | Enjoy 2 complimentary visits to railway lounges in India per quarter, providing a relaxing environment during your travels. |
| International Lounge Access | N/A |
| Movie Benefits | N/A |
| Insurance Benefits | N/A |
Railway Lounges Benefits
Cardholders of the AU Bank Altura Credit Card can enjoy exclusive benefits related to railway lounges:
- Complimentary Visits: Every quarter, both primary and add-on cardholders are entitled to 2 complimentary visits to railway lounges.
- Selected Locations: Avail the lounge facility at selected locations, enhancing your travel experience. The covered locations include Kolkata, New Delhi, Ahmedabad, Jaipur, Agra, and Madurai.
- Accessibility: The primary cardholder, as well as any additional cardholders, can enjoy the specified number of complimentary lounge access visits at the mentioned locations.
Welcome Rewards
Should the cardholder make purchases totaling Rs. 2,500 or more within the initial 60 days from the card issuance date, a 5% cashback awaits.
The maximum cashback in a statement cycle is limited to Rs. 150.
AU Small Finance Bank Altura Credit Card Cashback
Earn a generous 2% cashback on grocery shopping, utility bill payments, and purchases at departmental stores, with a cap set at Rs. 50 per statement cycle.
Receive 1% cashback on all other expenditures, capped at Rs. 50 per statement cycle.
Note: No cashback is applicable on fuel, rent, cash transactions, and wallet usage.
Milestone Rewards
Surpassing Rs. 10,000 in expenditures brings a Rs. 50 cashback in every statement cycle.
Travel Perks
Quarterly, cardholders are entitled to 2 complimentary visits to railway lounges.
Enjoy this lounge facility at selected locations, including Kolkata, New Delhi, Ahmedabad, Jaipur, Agra, and Madurai.
Both primary and add-on cardholders can relish the complimentary lounge access within the mentioned limits.
Eligibility for the AU Bank Altura Card
To check the eligibility for the AU Bank Altura Card, kindly read the AU Bank Altura Card Eligibility Blog post
Fees & Charges of AU Bank Altura Credit Card
| Fees & Charges | AU Bank Altura Credit Card |
|---|---|
| Joining fee | Rs. 199 + applicable taxes |
| Annual fee | Rs. 199 + applicable taxes |
| Fee waiver | Annual Fee Waiver – The joining and renewal fees will be waived on the basis of the amount that you spend using your credit card. |
| Fuel surcharge | Surcharge waiver of 1% on fuel transactions between Rs. 400 and Rs. 5,000 across all fuel pumps in India using this credit card. |
How to Apply for AU Bank Altura Credit Card
You can apply online or offline for this AU Small Finance Bank Credit Card.
Online – Visit AU Small Finance Bank’s official website and apply for this credit card.
Offline – Kindly visit the nearest AU Small Finance Bank branch and ensure you bring along all the necessary documents. The bank staff will be available to assist you, ensuring a smooth and efficient process. Your cooperation in providing the required documentation will contribute to a seamless experience at the branch.
