AU Bank Altura Plus Credit Card Review – Features and Benefits – Best entry level cashback card? Discover the AU Bank Altura Plus Credit Card, the ultimate entry-level cashback card!
Join us as we delve into its detailed features and benefits, highlighting why it’s the best choice for those seeking cashback rewards without compromising on benefits.
From everyday expenses to special indulgences, this card offers lucrative cashback rewards that amplify your savings.
Learn about its additional perks, including dining discounts, travel benefits, and seamless payment options.
Join us as we uncover why the AU Bank Altura Plus Credit Card stands out as the perfect entry-level choice for cashback enthusiasts.
AU Bank Altura Plus Credit Card Review
AU Bank Altura Plus Credit Card Frequently Asked Questions
- What is the AU Bank Altura Plus Credit Card?
- The AU Bank Altura Plus Credit Card is an entry-level cashback card that offers various benefits such as cashback on retail spends, reward points, milestone benefits, lounge access, fuel surcharge waiver, and more.
- What is the cashback feature of the Altura Plus Credit Card?
- Cardholders earn 1.5% cashback on all point-of-sale (POS) retail spends at merchant outlets, with a maximum cashback of INR 100 per statement cycle.
- How do I earn reward points with the Altura Plus Credit Card?
- Cardholders earn 2X reward points (2 points per INR 100) for all online transactions. Additionally, they earn 1 reward point per INR 100 spend on utility, telecom, and insurance category spends.
- Is there a limit on earning reward points?
- Yes, there is a limit of earning a maximum of 100 reward points per transaction on utility and telecom spends. Certain transactions such as cash, rent, education, government, EMI, fuel, BBPS, and quasi-cash transactions are not eligible for reward points.
- What is the milestone benefit offered by the Altura Plus Credit Card?
- Cardholders receive 500 bonus reward points when they spend INR 20,000 or more in retail spends in a calendar month. However, fuel transactions and cash withdrawals are excluded from the bonus reward points calculation.
- Does the Altura Plus Credit Card offer railway lounge access?
- Yes, cardholders are entitled to 2 complimentary lounge access per calendar quarter at railway stations using the VISA card. Add-on cardholders can also enjoy these benefits within the mentioned complimentary visits.
- How can I redeem the reward points earned with the Altura Plus Credit Card?
- The AU Rewardz program offers various options for redeeming reward points, including e-vouchers of top brands, merchandise, mobile/DTH recharges, flight/hotel bookings, and more.
- Is there an annual membership fee for the Altura Plus Credit Card?
- Yes, the annual card membership fee is Rs. 499 plus applicable taxes.
- Are there conditions for the annual card fee waiver?
- Yes, for the first-year fee waiver, cardholders need to spend Rs. 20,000 within 90 days of card setup. For subsequent years, a fee waiver is applicable if Rs. 80,000 retail spends are done in the previous card anniversary year.
- What are the eligibility criteria for the Altura Plus Credit Card?
- The primary cardholder should be between 21 to 60 years old, while add-on cardholders should be over 18 years old. Applicants must be resident Indians residing in specified cities.
- Is there a limit on the cashback earned with the Altura Plus Credit Card?
- Yes, there is a maximum cashback limit of INR 50 per statement cycle for both grocery store, departmental store, and utility bill payments, and other retail spends.
- Are there any transactions excluded from earning cashback?
- Yes, transactions such as fuel, rent, wallet, and cash transactions are excluded from earning cashback. Additionally, education, government, and BBPS transactions are not eligible for cashback as of April 1, 2024.
- How can I avail the railway lounge benefits with the Altura Plus Credit Card?
- Cardholders can avail of 2 complimentary lounge accesses per calendar quarter at railway stations by using their VISA card. The list of lounges and terms & conditions can be viewed on the provided link.
- What is the process for redeeming reward points through the AU Rewardz program?
- Cardholders can explore the AU Rewardz offerings and choose from various redemption options, including e-vouchers, merchandise, mobile/DTH recharges, and travel bookings, among others.
- Does the Altura Plus Credit Card offer contactless payment options?
- Yes, the AU Credit Card enables contactless payments, allowing cardholders to make quick, secure, and easy transactions by tapping the card at participating merchants for amounts up to INR 5000 without entering the PIN.
- Can I convert my transactions into EMIs with the Altura Plus Credit Card?
- Yes, cardholders can convert transactions worth INR 2,000 or more into easy EMI options by contacting the customer care helpline and selecting the desired tenure.
- Is there an option for availing add-on cards with the Altura Plus Credit Card?
- Yes, cardholders can offer Altura Plus Credit Card benefits to their loved ones through the add-on card offering, and the add-on card comes free for a lifetime.
- What is the benefit of the card liability cover provided with the Altura Plus Credit Card?
- In case of loss of the credit card, cardholders carry zero liability for any fraudulent transactions made after reporting the loss to the bank. Additionally, they are protected against card counterfeit/skimming and online frauds.
- What documents are required to apply for the Altura Plus Credit Card?
- Applicants need to provide documents such as the latest salary slip (for salaried employees) or the front side of the card and the latest credit card statement (for existing credit cardholders), proof of residence, identity proof, and PAN card.
- How can I check my eligibility for the Altura Plus Credit Card?
- Prospective applicants can check their eligibility for the Altura Plus Credit Card based on the specified criteria mentioned, including age, income, and residency status.