The AU Bank Altura Credit Card is designed to offer attractive rewards on shopping, dining, and international spending. With an annual fee of ₹199, this card provides several cashback and benefit features to enhance your spending experience.
Key Highlights of Altura Credit Card
| Feature | Description |
| 5% Cashback | On spending ₹2,500 within the first 60 days. |
| 2% Cashback on Utility Bills | Maximum cashback of ₹50 per statement cycle. |
| 1% Fuel Surcharge Waiver | On fuel purchases at any fuel station in India. |
| Additional ₹50 Cashback | On spending ₹10,000 in every statement cycle. |
| 2% Cashback on Groceries | On grocery and departmental store purchases. |
The AU Bank Altura Credit Card is an excellent choice for those who frequently spend on groceries, utility bills, and fuel. The card’s various cashback offers ensure you save money on your everyday expenses. Additionally, the milestone benefits encourage higher spending by providing extra cashback on reaching specific thresholds.
Features and Benefits of Altura Credit Card
Welcome Benefits
| Benefit | Description |
| 5% Cashback | On spending ₹2,500 within the first 60 days. |
| Maximum Cashback | Up to ₹150 per statement cycle. |
| Additional ₹50 Cashback | On spending ₹10,000 in every statement cycle. |
Upon signing up for the AU Bank Altura Credit Card, you can enjoy a 5% cashback on your initial spending of ₹2,500 within the first 60 days. This welcome benefit helps you kickstart your savings journey with the card.
Cashback Benefits
| Benefit | Description |
| 2% Cashback on Groceries | On grocery and departmental store purchases. |
| 2% Cashback on Utility Bills | Maximum cashback of ₹50 per statement cycle. |
| 1% Cashback | On other spends. |
The card offers attractive cashback rates on various spending categories. You can earn 2% cashback on groceries and utility bills, ensuring that essential expenses yield returns. Moreover, you get 1% cashback on all other spends, rewarding every transaction.
Fuel Benefits
| Benefit | Description |
| 1% Fuel Surcharge Waiver | On transactions between ₹400 and ₹5,000 at any fuel station in India. |
If you frequently use your card for fuel purchases, the AU Bank Altura Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. This benefit is available at any fuel station across India, helping you save on refuelling costs.
Milestone Benefits
| Benefit | Description |
| Additional ₹50 Cashback | On spending ₹10,000 in every statement cycle. |
To further enhance your savings, the card provides an additional ₹50 cashback for spending ₹10,000 in every statement cycle. This milestone benefit encourages higher spending while rewarding you with extra cashback.
Railway Lounge Benefits
| Benefit | Description |
| 2 Free Railway Lounge Visits | Every calendar quarter at select railway stations: New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, Agra, and Madurai. |
Travellers can enjoy complimentary railway lounge access with the AU Bank Altura Credit Card. You get two free railway lounge visits every calendar quarter at select railway stations, ensuring a comfortable journey.
EMI Benefits
| Benefit | Description |
| Easy EMI Conversion | For transactions of ₹2,000 or more. |
| XpressEMI Booking | By calling customer care at 1800 1200 1500. |
Large purchases become more manageable with the card’s EMI benefits. You can easily convert transactions of ₹2,000 or more into EMIs by calling the bank’s customer care number, spreading the cost over several months.
Insurance Benefits
| Benefit | Description |
| Card Liability Cover | Zero liability on fraudulent transactions post-reporting card loss. |
| Protection Against Frauds | Coverage for credit card skimming, online fraud, and card counterfeiting. |
The AU Bank Altura Credit Card offers robust insurance benefits, including card liability cover and protection against frauds like skimming, online fraud, and card counterfeiting. This ensures peace of mind in case of any mishaps.
Redemption of Points
| Redemption Option | Description |
| E-vouchers | From partner brands. |
| Merchandise | From the AU Bank catalogue. |
| Hotel Room Bookings | Using earned points. |
| Flight Ticket Bookings | Using earned points. |
| Mobile/DTH Recharges | Using earned points. |
Points earned on the AU Bank Altura Credit Card can be redeemed for various options, including e-vouchers from partner brands, merchandise from the AU Bank catalogue, hotel room bookings, flight ticket bookings, and mobile/DTH recharges. This flexibility allows you to choose rewards that best suit your needs.
Eligibility Criteria
| Criteria | Requirement |
| Primary Cardholder Age | 21 to 60 years. |
| Add-on Cardholder Age | Above 18 years. |
| Residency | Must be a resident of India. |
To be eligible for the AU Bank Altura Credit Card, the primary cardholder must be between 21 and 60, while add-on cardholders must be above 18. Additionally, applicants must be residents of India.
Fees and Charges
| Type of Charge | Fee |
| Joining Fee | NIL |
| Annual Fee | ₹199 |
| Add-on Card Fee | NIL |
| Revolving Credit Charge | 3.49% per month (41.88% annually) |
| Cash Advance Fee | 2.5% of the amount withdrawn (minimum ₹100) |
| Cash Advance Limit | 40% of the credit limit |
| Minimum Repayment Amount | 5% or minimum ₹100 |
| Overlimit Charges | 2.5% of over limit amount (minimum ₹500) |
| Reward Points Redemption Fee | NIL |
| Cash Processing Fee | NIL |
| Outstation Cheque Processing Fee | ₹25 |
| Balance Transfer Processing Fee | 1% of the balance transfer amount (minimum ₹250) |
| Lounge Validation Fee | ₹2 per visit |
| EMI Conversion Fee | 1% of the amount converted (minimum ₹250) |
| Priority Pass Lounge Fee | $27 plus taxes per visit |
| Foreign Currency Mark-up Fee | 3.49% |
| Duplicate Physical Statement Fee | ₹100 |
| Reissue of Lost/Damaged Card Fee | ₹100 |
| GST | 18% |
| Late Payment Charges | |
| Less than ₹100 | NIL |
| ₹100 to ₹500 | ₹100 |
| ₹501 to ₹5,000 | ₹400 |
| ₹5,001 to ₹20,000 | ₹500 |
| More than ₹20,000 | ₹700 |
The AU Bank Altura Credit Card comes with reasonable fees. There is no joining fee, and the annual fee is ₹199. The card also offers a range of features and benefits without additional costs, such as reward points redemption and cash processing.
This comprehensive review provides detailed tables and text for easy understanding of the various features, benefits, and fees associated with the AU Bank Altura Credit Card, helping you make an informed decision.
