Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • AU Bank Altura Credit Card

    With the AU Bank Altura Credit Card, you can 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.199.

    Key Highlights of the AU Bank Altura Credit Card

    • Get 5% cashback when you spend Rs.2,500 within first 60 days of card setup.
    • Get 2% cashback on utility bills payments. (Maximum cashback is Rs.50 per statement cycle)
    • Get 1% waiver on the fuel surcharge when you use the AU Bank Altura Credit Card to buy fuel at any fuel station in India.
    • Get additional Rs.50 cashback when you spend Rs.10,000 in every statement cycle.
    • Get 2% cashback on grocery and departmental stores.

    Features and Benefits of the AU Bank Altura Credit Card

    Welcome benefits:

    • Get 5% cashback when you spend Rs.2,500 within first 60 days of card setup.
    • You can get a maximum cashback of up to Rs.150 per statement cycle.
    • Get additional Rs.50 cashback when you spend Rs.10,000 in every statement cycle.

    Cashback benefits:

    • Get 2% cashback on grocery and departmental stores.
    • Get 2% cashback on utility bills payments. (Maximum cashback is Rs.50 per statement cycle)
    • You get 1% cashback on other spends.

    Fuel benefits:

    • Get 1% waiver on the fuel surcharge when you use the AU Bank Altura Credit Card to buy fuel at any fuel station in India.
    • The transaction amount has to be between Rs.400 and Rs.5,000.

    Milestone benefits:

    • Get additional Rs.50 cashback when you spend Rs.10,000 in every statement cycle.

    Railway lounge benefits:

    • 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:

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

    Insurance benefits:

    • 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.

    Redemption of Points Earned on AU Bank Altura Credit Card

    • E-vouchers of partner brands
    • Merchandise on the AU Bank catalogue
    • Hotel room bookings
    • Flight ticket bookings
    • Mobile/Direct-to-home (DTH) recharges

    Eligibility Criteria to Apply for the AU Bank Altura Credit Card

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

    Fees and Charges of the AU Bank Altura Credit Card

    Type of charge Fee
    Joining fee NIL
    Annual fee Rs.199
    Fee for an add-on card NIL
    Revolving credit charge 3.49% per month (41.88% annually)
    Cash advance fee 2.5% of amount withdrawn, subject to a minimum of Rs.100
    Limit for cash advance 40% of the credit limit
    Minimum repayment amount 5% or minimum Rs.100
    Overlimit charges 2.5% of overlimit amount, subject to a minimum of Rs.500
    Fee for redeeming reward points NIL
    Cash processing fee NIL
    Fee for processing an outstation cheque Rs. 25
    Processing fee for balance transfer
    • 1% of the balance transfer amount
    • This fee is subject to a minimum amount of Rs.250
    Credit card validation fee at lounges Rs.2
    EMI conversion fee
    • 1% of the amount you convert into EMIs
    • The EMI conversion fee is subject to a minimum of Rs.250
    Charge for Priority Pass Lounge $27 plus taxes per person for every visit
    Foreign currency mark-up fee 3.49%
    Fee for duplicate physical statement request Rs.100
    Fee for reissue of lost/damaged/stolen credit card Rs.100
    Goods and Services Tax (GST) 18%
    Late Payment Charges
    Outstanding amount Late payment fee
    Less than Rs.100 NIL
    Rs.100 to Rs.500 Rs.100
    Rs.501 to Rs.5,000 Rs.400
    Rs.5,001 to Rs.20,000 Rs.500
    More than Rs.20,000 Rs.700

    FAQs on AU Bank Altura Credit Card

    1. What is the AU Bank customer care number?

      The AU Bank customer care number is 180012001500.

    2. How do I book an XpressEMI?

      You can call 180012001500 and book an XpressEMI.

    3. Do I earn reward points when I use the card for purchasing fuel?

      No, you do not earn reward points when you buy fuel with the AU Bank Vetta Credit Card.

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