AU Altura Credit Card
The AU Small Finance Bank Altura Credit Card is a simple and affordable card that gives cashback on almost all purchases. You can get up to 2% cashback, which is directly added to your account. If you spend ₹10,000 in a month, you also get an extra ₹50 as a reward. The card comes with free access to select railway lounges across India for a better travel experience.
If you want more benefits, the AU Altura Plus Credit Card is a better version with higher rewards. It offers up to 6,000 bonus Reward Points every month, worth ₹1,500. With low fees and great perks, this card is a good choice for those who want to save more while spending.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Before applying for a credit card in India, consider the following factors:
- Eligibility Criteria: Check the age, income, credit score, and employment status requirements set by the bank or financial institution.
- Credit Score: A higher credit score increases your chances of approval and may result in better offers. Ensure your credit score is in good standing.
- Interest Rates and Fees: Compare annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction fees. These can vary significantly between cards.
- Rewards and Benefits: Look for cards that offer rewards, cashback, discounts, or other perks that align with your spending habits.
- Credit Limit: Make sure the credit limit offered is in line with your financial needs. Avoid over-borrowing, which can lead to high-interest charges.
- Repayment Terms: Understand the repayment options, minimum payment amount, and due dates. Consider how easily you can manage timely payments to avoid interest accumulation.
- Card Type and Features: Choose a card type (e.g., standard, premium, travel, etc.) based on your requirements. Some cards offer more benefits for specific categories like travel, shopping, or dining.
- Bank’s Reputation: Opt for a bank with a good track record of customer service and transparency. Read reviews and consider their customer support accessibility.
- Hidden Charges: Be aware of any hidden fees, such as annual fees, balance transfer charges, and cash withdrawal fees.
- Credit Utilization: Ensure you can manage your spending within the credit limit to maintain a healthy credit utilization ratio, which impacts your credit score.
- Long-Term Financial Plans: Think about how the credit card will fit into your long-term financial goals and avoid accumulating unnecessary debt.
Who should consider the AU Altura Credit Card?
This card is ideal for frequent travelers who want free railway lounge access, those looking to save on fuel with a surcharge waiver, and anyone who prefers a straightforward cashback and rewards system for daily expenses.
Can I apply for an Add-on Card for family members?
Yes, you can request an Add-on Card for your family or friends, allowing them to enjoy the benefits of your Altura Credit Card.
What taxes apply to this credit card?
A Goods and Services Tax (GST) of 18% is applicable on fees, charges, and interest associated with the card.
Does the AU Altura Credit Card support contactless payments?
Yes, you can make quick and secure contactless payments for transactions up to ₹5,000 without entering a PIN.
How do I claim the insurance benefits linked to my card?
To avail of the insurance benefits, contact AU Bank’s customer care helpline at 180012001500.
What is the interest-free period on the Altura Credit Card?
You can enjoy an interest-free credit period of up to 50 days, provided you clear the outstanding balance by the due date.
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