AU Bank Altura Credit Card
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Best for: Travel, shopping and lifestyle benefits
Lounge Access: Yes
Joining Fee: Free
Annual Fee: Free
Foreign Transaction Fee: ₹3.49% + GST
Interest Rates : 41.88% annually
Lounge Access: Yes
Min Credit Score: 750
Minimum Salary: ₹18000
Minimum Business Income: ₹100000
The AU Altura Credit Card is a premium financial tool that encapsulates the best of both worlds—travel and cashback. With a nominal joining fee of INR 199, this card is loaded with features that include 5% cashback on initial retail purchases and buy-one-get-one-free movie tickets. For the frequent traveler, the card offers two free quarterly visits to railway lounges across India. Not just for travel, you'll also enjoy a regular 1% cashback on all other spends, capped at INR 50 per month. Designed to cater to diverse needs, from casual spenders to frequent travelers, the card combines convenience and rewards seamlessly, making it a go-to option for those aiming for a rewarding lifestyle.
Features
- INR 50 cashback monthly on spending over INR 10,000.
- 2 free quarterly visits to railway lounges.
- 1% cashback on all other spends, max INR 50 monthly.
Welcome Offer
- 5% Cashback on initial retail purchase of minimum INR 2500 with the 60 days of card issuance with a maximum of INR 150 during the statement cycle.
- Movies: Buy one get one Free
Rewards
- Earn 1% cashback on all other retail spends. For every ₹100 spent, earn ₹1 as cashback. Note: Fuel, Rent, Wallet & Cash transactions are excluded from earning cashback. With effect from 1st April 2024, Education & Govt, BBPS transactions will not be eligible for Cashback.
- Earn 2% cashback on all retail spends done at grocery stores, departmental stores, and utility bill payments. For every ₹100 spent, earn ₹2 as cashback. Note: Fuel, Rent, Wallet & Cash transactions are excluded from earning cashback. With effect from 1st April 2024, Education & Govt, BBPS transactions will not be eligible for Cashback.
- Get additional cashback of ₹50 on completing a minimum of ₹10,000 retail spends in every statement cycle. Note: Fuel transactions and Cash withdrawal are excluded from Bonus Reward Points spends calculation.
Redeemption Rate
- Cashback (1RP = ₹1)
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Pros
- Up to 10X reward points on online spends at partner merchants
- 2X reward points on offline spending
- Reward Multiplier of up to 4X depending on the spends
- Complimentary domestic and international airport lounge access
- Milestone benefits on achieving the specified annual milestone spends
Cons
- High annual fee
- Lounge access program is chargeable
- No complimentary add-on card
- Joining and annual fees are non-refundable
Frequently Asked Questions
The AU Bank Altura Credit Card offers a reward rate of 2% on all spends, which can be redeemed for cash back or statement credit.
Yes, the AU Bank Altura Credit Card offers a complimentary airport lounge access benefit to cardholders.
The annual fee for the AU Bank Altura Credit Card is ₹500.
To apply for the AU Bank Altura Credit Card, you can visit the official AU Bank website or contact your nearest AU Bank branch.
The AU Bank Altura Credit Card offers a wide range of benefits, including reward points, complimentary airport lounge access, and more. These benefits are designed to offer maximum value to our customers.