The AU Small Finance Bank Altura Credit Card is a cashback credit card that rewards you for everyday purchases. Earn up to 2% cashback directly credited to your account. Plus, enjoy an additional Rs. 50 cashback monthly when you spend over Rs. 10,000.For your travel needs, the card also offers complimentary access to select railway lounges in India.
Joining Fees: | Annual Fees:
Rs. 199 + GST | Rs. 199 + GST
Reward Type:
Cashback
Suited For:
Shopping
Issued on:
VISA
Rating:
3.5/5
Fees and Charges
- Fees: - Joining Fee: Rs.199+GST Renewal Fee: Rs.199 + GST and in offer card is Lifetime free
- Best Suited For: - Shopping
- Reward Type: - Cashback
- Welcome Benefits: - NA
- Interest Rates: - 3.49% per month
- Spend Based Waiver: - Annual fee is waived for the first year if you spend Rs. 10,000 within 3 months of getting the card. In following years, you can avoid the fee by spending Rs. 40,000 the previous year.
- Fuel Surcharge: - 1% fuel surcharge waiver between Rs.400 and Rs.5,000 (maximum Rs.100 per month).
- Reward Redemption Fee:- Nil
- Foreign Currency Markup: - 3.5% of the total transaction amount (plus applicable taxes)
- Cash Advance Charges: - 2.5% of the total transaction value, or Rs.100 minimum fees
- Add-on Card Fee: - Nil
Reward and Benefits
- Movie & Dining: - NA
- Rewards Rate: - 2% cashback on utility bills, groceries, and department stores, and 1% cashback on all other transactions.
- Rewards Redemption: - Cashback is automatically transferred to the card that you earned.
- Travel: - Free access to railway lounges.
- Domestic Lounge Access: - NA
- International Lounge Access: - NA
- Insurance Benefits: - NA
- Golf: - NA
- Zero Liability Protection: - If the card is reported lost or stolen within time to the bank, the cardholder will not be held responsible for any fraudulent transactions.
Product Details
- 5% on retail spends within the first 60 days
- 2% on groceries, departmental stores, and utility bills
- 1% on all other purchases
- Rs. 50 monthly bonus for meeting spending milestones
Travel and Protection:
- Complimentary access to select railway lounges in India
- 1% fuel surcharge waiver
- Zero liability protection for lost cards
AU Bank Altura Credit Card Features & Benefits
The AU Bank Altura Credit Card is a cashback credit card that offers rewards on everyday purchases:
Cashback Features:
- 2% cashback on groceries, departmental stores, and utility bills (up to Rs. 50 per statement cycle).
- 1% cashback on other retail spending (up to Rs. 50 per statement cycle).
- Note: Excludes fuel, rent, wallet, and cash transactions.
Milestone Benefit:
- The AU Bank Altura Credit Card offers a bonus Rs. 50 cashback each month if you spend over Rs. 10,000 on retail purchases.
Railway Lounges:
- Complimentary lounge access at railway stations once per calendar quarter using a VISA Card. Click here for the list of lounges as well as the terms and conditions.
- Add-on cardholders can also take advantage of these Railway lounge benefits within the limit of the complimentary visits. To get more information, please Click here.
Fuel Surcharge Waiver:
- 1% Fuel Surcharge Waiver for fuel transactions between Rs. 400 and Rs. 5,000 at all fuel stations in the country (maximum Rs. 100 each statement cycle). HDFC Bank Credit Card Fees and Charges
AU Bank Altura Credit Card Fees and Charges
Joining and Annual Card Membership fee - Rs. 199 + applicable taxes
Conditions for Annual Card Fee waiver:
- Fee waiver for the 1st year: Spend Rs. 10,000 within 3 months of getting the card.
- Fee waiver for the 2nd years: Spend Rs. 40,000 in the previous anniversary year.
AU Bank Altura Credit Card Eligibility Criteria
The eligibility criteria to apply for the AU Bank Altura Credit Card are:
- Primary cardholder: 21 to 60 years old
- Add-on cardholder: 18 years or older
- Resident: India
Please note that these are just general guidelines, and AU Bank has the discretion to approve or decline applications.
AU Bank Altura Credit Card Review:
The AU Small Finance Bank Altura Credit Card is a cashback credit card designed for individuals seeking to earn rewards on everyday purchases and build their credit history. It features a cashback program offering up to 2% on spending, with an additional Rs. 50 monthly bonuses for exceeding Rs. 10,000 in spending. Notably, the card comes with no annual or renewal fees, making it an attractive option for credit card beginners. Furthermore, the card offers complimentary access to select railway lounges in India, catering to occasional travelers. If you're looking for a no-frills credit card with cashback rewards and are new to building your credit score, the AU Small Finance Bank Altura Credit Card could be a suitable choice. However, if you seek more features like higher cashback rates or extensive travel benefits, consider exploring the AU Bank Altura Plus Credit Card for a potentially better fit.
What do you think about AU Small Finance Bank Altura Credit Card? Please tell us in the comments below. Please feel free to share your experience if you are now a cardholder.
FAQs:
What is the AU Small Finance Altura Credit Card's annually, fee?
The AU Bank Altura Credit Card usually has a yearly fee of Rs. 199 plus taxes. But sometimes, the bank might offer deals where you don't have to pay this fee. This means the card could be free for life in some cases. It's always best to check with the bank directly to see what their latest fees and offers are.
Is there any complimentary access to airport lounges with this card?
No, the AU Small Finance Bank Altura Credit Card does not offer airport lounge access, but it does provide complimentary train lounge access to both primary and add-on cards.
What is the maximum amount of cashback I may earn on groceries each month?
Every statement cycle, you can receive up to Rs. 150 in cashback on grocery, department stores, and utilities bills.
AU Bank Altura Credit Card
Rating: 3.5/5
AU Bank AlturaCredit Card
