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All about Altura Credit Card

Credit Score

A Credit card allows a cardholder to buy anything over and above the purchase limit. AU Bank offers credit cards based on spending habits and lifestyle. AU Bank has come up with an initiative to provide upgraded credit cards to other customers as well. One can choose a credit card from the plethora of credit cards that is best suited. Some of the credit cards of AU Bank are the AU Zenith Credit Card, AU LIT Credit Card, AU Altura Credit Card, AU Bank Vetta Credit Card, and many more. 

Features and Benefits of AU Altura Credit Card

Mentioned below are the features and benefits of AU Altura Credit Card:

Welcome Benefits

· Get a Cashback of 5% on the retail spend of ₹2500 within 60 days from the issuance of the card.

· The maximum cashback allowed per statement cycle is ₹150.

Cashback Benefits

· Get a cashback of 2% at the Departmental Stores, Grocery Stores, and on all utility bill payments.

· Enjoy a Cashback of 1% on all other retail spends.

· The maximum cashback allowed is ₹50 per statement cycle.

· No Cashback will be given on the fuel spent, rent, wallet, and cash transactions.

Milestone Benefits

· Get additional cashback of INR 50 on completing a minimum of INR 10,000 retail spends in every statement cycle.

Railway Lounges

· Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations.

· The add-on cardholders can also enjoy this offer but within the mentioned complimentary number of visits. 

Fuel Surcharge Waiver

· Get a 1% Fuel surcharge Waiver for all fuel transactions done between INR 400 and INR 5000, across all fuel stations in the country maximum of up to INR 100 per statement cycle.)

Card Liability Cover

· In case of an unfortunate event of loss of a credit card, there is zero liability on any fraudulent transactions made with the card after reporting the loss to the bank.

Contactless Card Usage

· Make a quick and secure payment by just tapping the card and making payments without any need to enter a PIN for any amount up to INR 5000.

Xpress EMI

· Convert all transactions of up to INR 2000 or more into EMI by simply calling the customer care helpline number.

Add-on Cards 

· Get an add-on card for a lifetime and that too for free.

Reward Redemption

The reward points earned are redeemable at the AU Rewardz portal at a rate of 1 RP = Re 0.25. The reward points can be redeemed against the following categories:

· Flight/hotel bookings

· Gift vouchers

· Mobile/DTH recharge

· Merchandise

Eligibility Criteria

Mentioned below are the eligibility criteria to apply for Altura Credit Card: 

· The minimum age of an applicant should be 21 years in the case of a primary cardholder.

· The maximum age of an applicant should be 60 years in the case of a primary cardholder.

· The age of the secondary cardholder is 18 years.

· The applicant should be an Indian resident.

Processing Fees of AU Bank Altura Credit Card

Mentioned below are the fees charged for AU Bank Altura Credit Card:

Type of Fees / ChargesAmount 
Joining Fee INR 199 + Applicable Taxes
Annual Fee INR 199 + Applicable Taxes
Late Payment FeesLess than INR 100 – NilINR 100 to INR 500 – INR 100
INR 501 to INR 5,000  – INR 500
INR 5,001 to INR 10,000  – INR 700
INR 10,001 to INR 20,000 –  INR 800
INR 20,001 to INR 50,000 – INR 900
Above INR 50,000 – INR 1,100

Documents Required

Mentioned below is the list of documents required to apply for AU Bank Altura Credit Card:

Proof of IdentityPAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI, or any other government-approved photo ID proof
Proof of AddressAadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof
Proof of IncomeLatest one or 2 salary slips (not more than 3 months old), the Latest Form 16, Last 3 months’ bank statement

How to Apply for an AU Altura Credit Card?

Mentioned below are the steps to apply for an AU Altura Credit Card:

Step 1: Visit the official website of AU Bank i.e. https://www.aubank.in/

Step 2: Under “Cards”, click on “Credit Cards”.

Step 3: Select “AU Altura Credit Card” and click on “View Details”.

Step 4: Now click on “Apply Now”.

Step 5: Enter the mobile number and verify the same using an OTP.

Step 6: Click on “Submit” to proceed further with the application.

AU Small Finance Bank Credit Card Customer Care Number

In case of any complaints, queries, or grievances customers can contact the AU Small Finance Bank Credit Card Customer Care Number that is mentioned below:

ServiceContact NumberEmail ID
24X7 Customer Care(For general queries/ complaints/ service requests)1800 1200 1200 (Toll-free numbers)1800 26 66677 (Toll-free numbers) 
 1860 1200 1200 (Non-Toll free numbers)0141 – 7141000 (Non-Toll free numbers)0141 – 6133000 (Non-Toll free numbers)0141 – 3071800 (Non-Toll free numbers)[email protected]
Credit Card1800 1200 1500 (Toll-free numbers)[email protected]@aubank.in (For Vetta, Zenith, and Zenith+ customers)
 0141-7141100 (Non-Toll free numbers)0141-4455000 (Non-Toll free numbers)[email protected] (Reward Points related)[email protected] (For Commercial Credit Cards customers)

How to Activate AU Altura Credit Card?

Mentioned below are the steps to activate an AU Altura Credit Card:

Step 1: Log in to the AU Bank net banking.

Step 2: Under “Credit Card Management”, click on “Activate the Card”.

Step 3: Also, one can contact the customer care number and request them to assist with the activation process.

Step 4: The third option is to visit any nearest branch of AU Bank, and the bank official will assist with the same.

Who Should Buy an AU Altura Credit Card?

An AU Altura Credit Card best suits the following:

· One who travels and would like to get railway lounge access.

· One who wants to save on fuel surcharge.