AU Altura Plus Credit Card
Joining Fee: ₹499 + GST
Renewal Fee: ₹499 + GST
Reward Type: Reward Points
Reward Rates
Cashback on Retail Transactions: Earn 1.5% cashback on all Point of Sale (POS) retail purchases made at merchant outlets. The cashback is capped at Rs. 100 per statement cycle.
Reward Points on Retail Spending: Accumulate 1 Reward Point for every Rs. 100 spent once the maximum cashback limit is reached.
Online Transactions: Benefit from 2x Reward Points on online transactions, with no maximum cap on the points you can earn.
Fuel Transactions: Note that fuel transactions do not earn any reward points or cashback.
Reward Redemption
Redemption Rate: 1 Reward Point = Re. 0.25.
Redemption Portal: Points can be redeemed through the AU Rewardz portal. Available redemption options include flight and hotel bookings, DTH/mobile recharges, merchandise, and gift vouchers.
Travel Benefits
Complimentary Railway Lounge Access: Enjoy two free visits per quarter to railway lounges. This benefit is available at select locations including Kolkata, Ahmedabad, Jaipur, New Delhi, Madurai, and Agra. Both primary and add-on cardholders are eligible for this benefit.
Domestic Airport Lounge Access: Not included with this card.
International Airport Lounge Access: Not included with this card.
Golf Benefits
Golf Access: This card does not offer any golf-related benefits.
Insurance Benefits
Insurance Coverage: No insurance benefits are provided with this credit card.
Milestone Benefits
Bonus Reward Points: Earn 500 bonus Reward Points when you reach a milestone spend of Rs. 20,000 in a single calendar month.
Fuel Surcharge Waiver
Waiver Details: Receive a 1% waiver on fuel surcharge for transactions ranging from Rs. 400 to Rs. 5,000.
Maximum Waiver: The fuel surcharge waiver is capped at Rs. 150 per statement cycle.
Summary
The AU Bank Altura+ Credit Card offers appealing rewards with a 1.5% cashback on retail purchases, capped at Rs. 100 per statement cycle. Beyond this limit, you earn 1 Reward Point per Rs. 100 spent. Online purchases double your Reward Points with no cap, though fuel transactions earn no rewards. Reward Points can be redeemed at 1 Point = Rs. 0.25 via the AU Rewardz portal for travel, recharges, merchandise, and vouchers.
Travel benefits include two free railway lounge visits per quarter at select locations. However, there’s no domestic or international lounge access. The card does not offer golf or insurance benefits. Milestone spenders receive 500 bonus Reward Points for spending Rs. 20,000 in a month. Additionally, enjoy a 1% waiver on fuel surcharges for transactions between Rs. 400 and Rs. 5,000, capped at Rs. 150 per statement cycle.
Overall, the AU Bank Altura+ Credit Card is a cost-effective option with valuable rewards and benefits, making it a great addition to your wallet for diverse spending.