AU Altura Credit Card

AU Altura Credit Card is a basic entry level card offered by AU Bank. It allow you to  get decent amount of cashback almost on every retail spends. You can get 2% cashback on grocery, departmental store and utility bill payment and additional cashback on achieving spending milestone. The card comes with very low joining and annual fee that is ₹199 and it also offer 2 Railway lounge access per quarter for primary as well as add-on card holder. Read below article to know more about this card.

JOINING FEE
Rs.199+GST
RENEWAL FEE
Rs.199+GST
BENEFITS
2 Railway Lounge per quarter In Year.
REWARDS &CASHBACK
2% cashback on Grocery, Departmental & utilities.

Key Features of AU SPONT Credit Card

Cashback

  • Get 2% cashback on groceries, utility bill payment and departmental stores and maximum cashback per statement cycle is ₹50.
  • Get 1% cashback on all other retail spends and maximum cashback per statement cycle is ₹50.
  • Get additional cashback of ₹50 on minimum retail transaction of ₹10,000 per statement cycle.
  • No Cashback on transaction done on Fuel, Wallet, Rent, Govt. Transaction, EMI, Cash Advances.

Fuel Surcharge Waiver

  • Get 1% Fuel surcharge waiver on fuel transaction between ₹400 to ₹5000 and maximum waiver is Rs.100 per month. Note that you will not get any reward point on fuel spends.

Railway Lounge Access

  • Get 2 complimentary IRCTC lounge every quarter at kolkata, New delhi, Jaipur, Agra, Ahemdabad and many more railway station.
  • Add-on card holder can also enjoy the railway lounge benefits within mentioned complimentary number of visit.

Fees & Charges

Foreign Currency Markup

  • The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.

Finance Charges & Cash withdrawal Fee

  • Interest rate is 3.75% per month that is 55.55% per annum.
  • Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.

Eligibility Criteria

  • The applicant age must be 21-60 years for salaried employee and 25-65 years for self employed and he/she should be resident of India.
  • AU Bank has not mentioned the salary but you need salary atleast more than ₹25k per month.
  • Final Thoughts

AU Altura Credit Card is basic cashback credit card with minimum joining and annual fees. if someone thinking to start their credit card journey can start with this card. There are other cashback credit card in the market like Amazon ICICI, SBI cashback, Axis Ace and many more you can also go with options as well. 

  • Frequently Asked Questions
Which transaction is excluded in cashback program?

Fuel, Wallet, Rent, Govt. Transaction, EMI, Cash Advances are excluded in cashpoint program.

Yes, You need to spend ₹40,000 in a year to get waived off annual fee.

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