When it comes to attractive benefits at an affordable rate, there are only a few credit cards that can replace the au small finance bank altura plus credit card. It lets you enjoy attractive cashbacks and au credit card rewards on every transaction, free access to railway lounges, exclusive waivers on fuel surcharges, and lots more. More about the benefits of this au bank credit card are given below.
Who can apply for the Au small altura plus credit card?
- Resident Type: Indian.
- au bank credit card eligibility criteria for salaried person:
- Age: 21 to 60 yrs.
- Income: Above Rs.3 lakh annually (approx).
- Au small finance bank credit card eligibility criteria for self-employed person:
- Age: 21 to 60 yrs.
- Income: Above Rs.3 lakh annually (approx).
- A good CIBIL score (680+) is required to apply for this au bank card.
You can apply for this card from the au bank credit card apply online page. Once your credit card application is submitted, you will get a unique application id. you can later use that id to track your au bank credit card application status. You can get some help on the application process from our faq page.
What documents are required to apply for an au small finance bank credit card?
- Photocopy of ID Proof (any 1)
- Aadhar card
- Voter Card
- Passport
- PAN Card
- Photocopy of Address proof (any 1)
- Last 6 months bank account Statement
- Aadhar Card
- Driving License
- Passport
- Utility bill
- One recent passport-sized photographs
- Proof of income statement:
- Salaried Person (any 1)
- Salary Slip of the last 3 months
- ITR
- Self-employed person
- Income tax return of the last year
- Proof of business
- Recent audited financial report.
- Salaried Person (any 1)
As per the new rules, all new au bank credit cards are delivered in an inactive state. So if you want to know about the au bank credit card pin generation process, then feel free to take a look at our faq page.
What are the AU small finance credit card fees?
- AU Small Finance Bank Altura Plus Credit Card joining fee: Rs.499 + GST
- AU Small Finance Bank Altura Plus Credit Card annual fee: Rs.499 + GST
What are the au bank credit card benefits?
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A huge joining bonus to welcome you:
On spending Rs.10,000 within the first 60 days of the au credit card activation, you will get a gift voucher of Rs.500 as a welcome gift.
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Add more value to your transactions:
This au bank credit card offers a 1.5% cashback (up to Rs.100 in a month) on all POS transactions made at retail outlets (except on fuel). Once you reach the maximum cashback limit, you will get 1 reward point per each Rs.100 retail transaction.
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Make your transactions more rewarding:
For each Rs.100 online transaction, you will get 2 au credit card points. There is no limit on earning reward points.
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Add comfort to your travel:
This au bank offers you 2 free quarterly accesses to some of the selected domestic railway lounges at Ahmedabad, Madurai, Agra, Jaipur, Kolkata (Sealdah), and New Delhi.
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Fuel surcharge waiver:
This credit card offers a 1% waiver on fuel surcharges across all fuel stations in India. You can earn a maximum of Rs.150 waiver in a credit card statement cycle.
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Opportunity to earn something extra:
This au bank card also lets you earn some extra benefits on milestone spends.
|
Credit card usage |
Benefit |
| Rs.20,000 in a month | 500 au credit card reward points |
| Rs.20,000 within the first 90 days of card activation | A complete waiver on your first-year annual fee |
| Rs.80,000 in a year | A complete waiver on credit card annual charges (from the second year onwards) |
You can keep track of your credit card usage from your au bank online banking account.
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Complimentary lost card liability coverage:
This au card comes with complimentary lost card liability coverage. So, if your card ever gets lost or stolen, you just have to report it by calling the au bank customer care number and you will no longer be liable for anything bad that may happen to your au finance credit card account.
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A very useful Au credit card EMI facility:
This altura credit card allows you to convert your high-value purchases (over Rs.2000) into EMI. The conversion process can be performed from your au net banking account.
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Global acceptance:
Since it is a visa platinum credit card it is accepted worldwide. You can use your au small finance credit card at any outlet or e-commerce site where visa credit cards are accepted.
What are the au small finance bank credit card charges?
|
Particulars |
Chargeable amount |
| Au credit card atm withdrawal charges | 2.5% against the transaction amount, minimum Rs.100 (Check your available credit card cash withdrawal limit before making a withdrawal) |
| Au small credit card finance charge | The au bank interest rate can go up to 3.49% monthly or 41.88% annually (Applicable if your au bank credit card payment is not made in time) |
| International transaction charge | 3.49% against the transaction amount |
| Add on card fee | None |
How to contact the au bank customer care department?
- Call the au bank credit card customer care number: 1800 1200 1500
- Write to the au small finance bank head office email id: creditcard.support@aubank.in
100xGain Ratings:
7/10
Pros and cons of this au small bank credit card:
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Pros |
Cons |
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Final Opinion:
After analyzing the details of the card I can say that this card can be a good option for those who are looking for low annual fee credit cards for their daily uses. With cashback on retail transactions, au credit card reward points on online transactions, free lounge access, and lost card liability coverage, this card can easily justify the Rs.499 annual fee.
But if the above-mentioned Au bank credit card offers are not enough for you, then you should take a look at our best rewards credit cards page. You can also compare the alternative card options given below.
Alternative of the au small finance bank credit card:
- Axis Bank FreeCharge Credit card (Best for cashback and reward benefits)
- Bank Of Baroda Prime Credit Card (Best for cashback and reward benefits)
- RBL World Prime SuperCard (Best for reward points and lounge access)
- RBL Classic Platinum Credit Card (Best for offering reward points)
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