Card Image
AU Altura Plus
Annual Fee
₹499
Rewards/₹100 ⓘ
₹0.50 - ₹1.00
Normalized to balance base rate with bonus categories
Interest Rate
42.00%
Credit Score
700+
At a Glance
Key Benefits
2X base rewards, 4X on dining, 4 lounge visits, fee waiver on Rs 50K spend
Lounge Access
4 domestic lounge visits per year
Eligibility
Age: 21-60, Income: Rs 30,000+/month, CIBIL: 700+
Quick Details
Annual Fee
₹499
#75
Joining Fee
₹499
#78
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.50 - ₹1.00
#190
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+
#54
Min Monthly Income ₹25
Network VISA
Late Payment Fee ₹600
Over Limit Fee 2.50% (min ₹500)
Cash Advance Fee 2.50% (min ₹500)
Fee Waiver on Spend ₹50,000/yr
Reward Structure
Base
All Spends
₹0.50 /₹100
Cat
Dining
₹1.00 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned480
Cash Value₹120
Breakdown
Dining80
Other Spends400
Total Value₹120
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions.
Fraud
₹0
Zero liability for unauthorized transactions.
Quick Analysis
The AU Small Finance Bank AU Altura Plus is a solid credit card option. With an annual fee of ₹499, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Frequently Asked Questions
What is AU Altura Plus annual fee?
AU Altura Plus has Rs 499 annual fee, waivable on Rs 50,000 annual spend.
How many lounge visits with AU Altura Plus?
AU Altura Plus offers 4 complimentary domestic lounge visits per year.
What rewards does AU Altura Plus offer?
AU Altura Plus gives 2 points per Rs 100 on all spends, and 4X on dining.
Is AU Altura Plus good for dining?
Yes, with 4X rewards on dining, it is excellent for food lovers.
What is AU Altura Plus credit limit?
Credit limit ranges from Rs 50,000 to Rs 5 lakhs based on eligibility.
User Reviews
Ready to Apply for AU Altura Plus?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.
Apply Now on AU Small Finance Bank Apply Now