AU Small Finance Bank Altura Credit Card
AU Small Finance Bank Altura is a mid premium credit card from AU Small Finance Bank
- Key Features
2% cashback on grocery, departmental store, and utility bill payments: Earn 2% cashback on all transactions made at grocery stores, departmental stores, and utility bill payments.
1% cashback on all other retail spends: Earn 1% cashback on all other retail transactions, excluding fuel, cash withdrawals, and rent transactions.
Additional ₹50 cashback every statement cycle: Receive an additional ₹50 cashback every statement cycle, regardless of your total spending.
Welcome benefits: Upon card activation, get a 5% cashback on your initial retail spends of ₹2,500 within the first 60 days. Additionally, enjoy a 5% cashback on every ₹10,000 spent in each statement cycle.
Free quarterly railway lounge access: Enjoy complimentary access to railway lounges across India twice every quarter.
Complimentary card liability cover: Get comprehensive card liability cover of up to ₹50,000, protecting you from unauthorized transactions.
Low interest rates: Interest rates start from 0.75% to 2.99% per month.
No joining fee: Apply for the card without paying any joining fee.
Lifetime free: Continue to enjoy the benefits of the card without paying any annual fees.
2% cashback on grocery, departmental store, and utility bill payments: Earn 2% cashback on all transactions made at grocery stores, departmental stores, and utility bill payments.
Enjoy complimentary access to railway lounges across India twice every quarter.
Get comprehensive card liability cover of up to ₹50,000, protecting you from unauthorized transactions.
Welcome Benefits: 5% Cashback on minimum INR 2,500 retail spends done within first 60 days of card setup. (Maximum cashback per statement cycle is INR 150).
Reward System: You get 1 reward point for every INR 100 spent. 1 Reward Point = INR 0.25 Cashback rate: 0.25%. 2 % Cashback on all retail spends done at Grocery stores, Departmental stores and Utility bill payments. (Maximum cashback per statement cycle is INR 50). 1% Cashback on all other retail spends*. (Maximum cashback per statement cycle is INR 50).
Billing Cycle: 30 Days
Special Feature: Get comprehensive card liability cover of up to ₹50,000, protecting you from unauthorized transactions.
Interest Rate: 3.59% per month (43.08% annually)+ GST
Credit Card Type: Shopping Credit Card
The verdict
- AU Small Finance Bank offers limited number of benefits. Most of the benefits are capped at a ridiculously low threshold level. The card has no USP. At present there are multiple cards offering much better benefits than Altura.
Rating
How to get
Here are the steps on how to apply for an AU Bank Altura Credit Card:
Go to the AU Bank website and click on the "Apply for Credit Card" tab.
Select the Altura Credit Card from the list of credit cards.
Enter your personal information, such as your name, address, and contact details.
Enter your employment information, such as your employer's name and your income.
Upload a copy of your PAN card and a recent passport-sized photograph.
Read and agree to the terms and conditions of the credit card.
Click on the "Submit" button.
An AU Bank representative will contact you to verify your information and to complete the application process.
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Review by
Abhijeet Saxena
About the Expert
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai