AU Small Finance Bank Altura Plus Credit Card
U Altura Plus Credit Card is a premium credit card from AU Small Finance Bank.
- Key Features
Earn 2X rewards: Earn 2X reward points on all retail transactions, with no limits or restrictions.
Welcome gift voucher: Receive a ₹500 gift voucher upon spending ₹10,000 within the first 60 days of card issuance.
Complimentary airport lounge access: Enjoy 2 complimentary domestic airport lounge visits per quarter, along with access to the AU Bank Altura Plus Lounge at select airports in India.
Travel insurance: Get comprehensive travel insurance coverage for your domestic and international trips, including medical expenses, trip cancellation, and lost/delayed baggage.
Purchase protection: Safeguard your purchases against accidental damage, theft, and loss for up to 90 days from the date of purchase.
Dining discounts: Enjoy up to 25% discounts at over 1,500 partner restaurants across India.
Movie ticket discounts: Get up to 25% off on movie tickets booked through select ticketing platforms.
Fuel surcharge waiver: Save up to ₹2.50 per liter on fuel surcharge at all fuel stations across India, up to ₹100 per month.
No joining fee or annual fee: Apply for the card without paying any joining fee or annual fee.
Earn 2X rewards: Earn 2X reward points on all retail transactions, with no limits or restrictions.
2 complimentary lounge access per calendar quarter.
Movie ticket discounts: Get up to 25% off on movie tickets booked through select ticketing platforms.
Welcome Benefits: Vouchers worth INR 500 on minimum INR 10,000 retail spends done within 60 days of card setup.
Reward System: Get 1 reward point on spending INR 100. 1 Reward Point = INR 0.25. General cashback rate: 0.25%. 1.5% cashback on retail spends at merchant outlets (Maximum cashback per statement cycle is INR 100). 0.5% cashback rate on online spends (uncapped).
Billing Cycle: 30 Days
Special Feature: 2 complimentary lounge access per calendar quarter.
Interest Rate: 3.49% per month (41.88% annually)
Credit Card Type: Premium Credit Card
The verdict
- Altura Plus Credit Card though marketed as a premium credit card by AU Small Finance Bank, does not have any benefits offered by a typical premium credit card. Users looking for premium credit card will be disappointed by this card.
Rating
How to get
You can apply for the AU Bank Altura + Credit Card online or by visiting a nearby AU Bank branch. Here are the steps on how to apply online:
Go to the AU Bank website and click on the "Apply for Credit Card" link.
Select the "Altura + Credit Card" from the list of credit cards.
Enter your personal details, such as your name, address, and contact information.
Enter your employment details, such as your employer's name and your income.
Enter your annual income.
Upload a copy of your PAN card.
Submit your application.
An AU Bank representative will contact you to verify your details and to complete the application process.
Here are the documents you need to apply for the AU Bank Altura + Credit Card:
Valid PAN card
Proof of address
Proof of income
The processing time for the AU Bank Altura + Credit Card is usually 7-10 working days. You will be notified by AU Bank once your application has been approved.
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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