AU Bank Altura Plus Credit Card Features , Benefits And Charges

Introduction :

More than just a credit card, the AU Bank Altura Plus Credit Card opens doors to a world where money matters are in perfect harmony with your way of life. This credit card is jam-packed with benefits that cater to a wide range of modern consumer demands.

Features :

1. Cash back features:
   • All retail purchases made at grocery stores, department stores, and utility bill payment locations earn 2% cashback. (There is a 50 rupee maximum cashback per statement cycle.)
   • On all other retail purchases, get 1% cashback*. (There is a 50 rupee maximum cashback per statement cycle.)
   • Note: Transactions involving fuel, rent, wallets, and cash are not eligible for cashback.
2. Use of Contactless Cards :
   • For transactions up to INR 5000, use your AU Credit Card to make simple, safe, and rapid payments at participating merchants by simply tapping the card. No credit card PIN is required.
3. Xpress EMI :
   • Transform your transactions totaling INR 2,000 or more into convenient EMI plans with a chosen tenure.
4. Supplementary Cards :
   • With our Add-on card offering, you can share the benefits of your Altura Credit Card with your loved ones. What’s more? Forever, your add-on card is free! So, feel free to utilize it.
5. Welcome Offer :
   • 5% Cashback is offered on minimum retail purchases of INR 2,500 made within the first 60 days of card setup. (There is a 150 rupee maximum cashback per statement cycle.)

Charges :

• Joining/Annual Membership Fees : Rs.499 per annum
• Add on card fee : free for lifetime upto 4 per account
• Charges on cash advance : 2.5% of the amount withdrawn (minimum of Rs.100)
• Fuel transaction surcharge :
• Charges on revolving credit :
• Late payment fees :
  • Less than or equal to ₹ 100  – Nil
  • Above ₹ 100 and up to ₹ 500  – ₹ 100
  • Above ₹ 500 and up to ₹ 5,000  – ₹ 500
  • Above ₹ 5,000 and up to ₹ 10,000  – ₹ 700
  • Above ₹ 10,000 and up to ₹ 20,000  – ₹ 800
  • Above ₹ 20,000 and up to ₹ 50,000 ₹ 900
  • Above ₹ 50,000 – ₹ 1,100
• Over Limit Charges  : 2.5% of over limit amount, subject to a minimum of ₹ 500
• Outstation Cheque Processing Charges : ₹ 25/
• Foreign Currency Transaction : 3.49%
• Over Limit Charges  : 2.5% of over limit amount, (subject to a minimum of ₹ 500)
• Payment Return Charge : Rs.500/-
• Reward Point Redemption  :  Rs. 99 + GST

Eligibility Criteria :

1. The applicant should be a resident of India
2. The age of the primary card holder should be between 21 to 60 years
3. 18 years is mandatory for the add-on card holders

Benefits :

• Milestone Benefits :
  • Get an extra 50 rupees in cashback when you spend at least 10,000 rupees in retail each statement cycle.
• Railway Lounges:
  • Two free lounge visits per calendar quarter are provided at railway stations when a VISA card is used. Click here to view the terms and conditions and a list of lounges.
  • Add-on cardholders are eligible to take advantage of these Railway lounge perks during the specified number of complimentary visits. Click this link to view details.
• Fuel Surcharge Waiver:
  • All fuel stations in the nation will waive the 1% fuel surcharge on fuel transactions between INR 400 and INR 5,000 (up to INR 100 per statement cycle).
• Card Liability Coverage:
  • If your credit card is lost, you are not liable for any fraudulent transactions made with it after notifying the bank of the loss. You are also shielded from online fraud and card counterfeiting/skimming.

How To Apply :

Apply through our website www.quickpolicy.in/au APPLY NOW

Documents Required : 

1. Identity Proof: Valid government-issued ID card.

2. Address Proof: Utility bills or any document verifying the applicant’s address.

3. Income Proof: Salary slips, income tax returns, or other documents validating financial capacity.

Conclusion :

The AU Bank Altura Plus Credit Card emerges not just as a financial instrument but as a companion in your journey towards.