Following are the key highlights of the AU Bank Altura Plus Credit Card:

Offers for First-Time Card Holders

• Vouchers of top brands worth Rs. 500.
• The offer is valid on retail spends of at least Rs. 10,000 within 60 days of card setup.

Cashback

• 1.5% cashback on all POS retail spends at merchant outlets. 
• Maximum cashback available up to Rs. 100 per statement cycle.
• You get 1 reward point on every Rs. 100 retail spends (except fuel) on POS after your reach the maximum cashback limit.

Rewards Points

• 2X reward points on spending every Rs. 100 on all online retail transactions.
• 1 reward point on spending every Rs. 100 on utility, insurance, rent, education, and government categories.

Milestone Benefits

• Get 500 bonus reward points on spending Rs. 20,000 or more on retail in a calendar month.
• Fuel transactions and cash withdrawals are excluded from bonus reward points calculation.

Complimentary Railway Lounge Access

• 2 complimentary lounge access per calendar quarter with VISA cards at railway stations in New Delhi, Kolkata (Sealdah), Ahmedabad, Jaipur, and Agra. 
• This benefit is also available to add-on cardholders.

Fuel Surcharge Waiver

• 1% fuel surcharge waiver. 
• Offer applicable for fuel transactions between Rs. 400 to Rs. 5,000 per statement cycle across all fuel stations in India.
• The maximum benefit available is Rs. 150 per statement cycle.

Comprehensive Protection Cover

• Credit Liability Cover in case of credit card loss. No liability for any fraudulent transactions made with the card after you report the loss to the bank.
• Cover for card counterfeit/ skimming and online frauds.

Contactless Card Usage

Use your card to make quick, secure and easy payments by just tapping the Altura Plus card and paying at participating merchants without the credit card PIN for amounts up to Rs. 5,000.

XpressEMI

• Convert any transactions of Rs. 2,000 or more into easy EMI options on the select tenure of your choice. 

Annual Card Membership Fee 

• Joining fee: Rs. 499 + applicable taxes. Waived on retail spends of Rs. 20,000 done within 90 days of card set up.
• Annual fee: Rs. 499 + applicable taxes. Waived on retail spends of Rs. 80,000 done in the previous card anniversary year.

Following are the fees and charges associated with AU Small Finance Bank Altura Plus Credit Card:

• Annual membership fee: Rs. 2,999 + applicable taxes. 
• Cash advance fee: 2.5% (minimum Rs. 100).
• Charges on revolving credit: 3.59% per month (43.08% annually). 
• Foreign currency transactions: 3.49%.
• Overlimit charges: 2.5% of over limit amount (minimum Rs. 500).
• Late payment charges: Rs. 0 to Rs. 1,100.
• Loan processing fee 1% (minimum Rs. 500). 
• Loan preclosure charge: 3% of the outstanding principal.
• Balance Transfer on EMI processing charges: 1% of the transfer amount (minimum Rs. 250).
• EMI conversion charges: 1% (minimum Rs. 99 + GST) for Xpress EMI & Rs. 199 + GST for Instant EMI.
• Cheque, ECS/NACH, Autopay return charges: Rs. 500.
• Card validation charges (lounges): Rs. 2.
• Reissuance of lost/ stolen/ damaged card: Rs. 100.
• Duplicated physical statement request charges: Rs. 100.
• Outstation cheque processing charges: Rs. 25.
• Goods and Services Tax (GST): 18% GST is applicable on all above-mentioned fees, interest & charges.

You have to meet the following AU Bank Altura Plus credit card eligibility criteria to apply for this credit card:

• The minimum age of the primary cardholder must be 21 years, and a maximum of up to 60 years.
• The minimum age of the add-on cardholder should be more than 18 years.
• The applicant should be a resident of India.

The criteria are only indicative. AU Bank reserves the right to approve or decline credit card applications.

If you want to apply for an Altura Plus credit card, you will be required to submit the following documents:

• Identity proof: Passport, Driving License, Aadhaar Card, etc.
• Address proof: Passport, Voter ID, Aadhaar Card, Utility Bills, Ration Card, etc.
• Income proof: Recent Salary Slips, Form 16 and Income Tax Returns.

• Visit AU Bank’s official website and click on the ‘Credit Cards’ section under the ‘Cards’ heading.
• Click on the ‘Altura Plus Credit Card’ option and then click on the ‘Apply Now button’.
• Now fill in the online application form.
• A representative from the bank will contact you to verify the details and proceed with your application