- Joining fee
₹499 + GST
- Annual fee
₹499 + GST
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
1.5% cashback on all POS retail spends, 1 Reward Point per Rs. 100 spent after reaching the maximum cashback limit.
- Reward redemption
The earned reward points can be redeemed at the AU Rewardz portal at a rate of 1 Reward Point = Re. 0.25.
Benefits
- Travel
Free railway lounge access (twice each quarter)
Fees & charges
- Spend-based waiver
Spend Rs. 80,000 in a card anniversary to waive the annual charges
- Rewards redemption fee
Nil
- Foreign currency markup
3.49% on all foreign currency spends.
- Interest rates
3.59% Per Month (43.08% Per Annum)
- Fuel surcharge waiver
1% fuel surcharge waiver for all transactions between Rs. 400 & Rs. 5,000.
- Cash advance charges
2.5% or ₹500 Whichever is Higher
Product highlights
- 1.5% cashback on retail spends at merchant outlets.
- 2 Reward Points on every Rs. 100 spent on online purchases.
- Earn 500 bonus Reward Points every month.
- 2 complimentary railway lounge access every quarter.
Pros & cons
Pros
- You get free railway lounge access with this card.
Cons
- There isn’t any airport lounge access provided with this card.
FAQs
Can I redeem my earned reward points against Flipkart gift vouchers?
Yes, the reward points you earn with the AU bank Altura Plus Credit card can be redeemed against Flipkart gift vouchers at a rate of 1 RP = Re. 0.25.
Is there any maximum cap on the reward points?
No, there is no maximum cap on reward points you earn using your AU Small Finance Bank Altura Plus Credit Card.
Do I earn Reward Points on fuel transactions?
No, you don’t earn any reward points/cashback on fuel transactions.