AU Bank Altura Plus Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

1. Get a cashback of 1.5% on all retail purchases made at merchant outlets. 2. Earn 2 Reward Points for every Rs. 100 spent on online purchases. 3. Receive a bonus of 500 Reward Points every month. 4. Enjoy 2 complimentary access passes to railway lounges every quarter.

The AU Bank Altura Plus Credit Card is a solid choice for avid shoppers looking for a rewarding credit card experience.

With no joining fee and no renewal fee, this card offers attractive benefits without any additional costs.

For shopping enthusiasts, the AU Bank Altura Plus Credit Card is an ideal option.

It offers a generous 1.5% cashback on all point-of-sale retail spends, allowing you to earn money back on your purchases.

Once you reach the maximum cashback limit, you can continue earning rewards with 1 Reward Point for every Rs. 100 spent.

In addition to shopping benefits, this credit card also provides free railway lounge access twice each quarter, making your travel experience more comfortable and enjoyable.

While domestic and international lounges, golf perks, and insurance benefits are not included, the card's focus on shopping rewards and travel access still make it a worthwhile choice.

When it comes to fees, the AU Bank Altura Plus Credit Card has your back.

With a nil rewards redemption fee, you can redeem your earned rewards without any additional charges.

However, it's worth noting that this card does have a foreign currency markup of 3.49% on all foreign currency spends.

Interest rates on this card are comparatively reasonable at 3.49% per month, providing flexibility in managing your credit card balance.

Fuel-savvy individuals will also appreciate the 1% fuel surcharge waiver for all transactions between Rs. 400 and Rs. 5,000.

If you find yourself in need of a little extra cash, the AU Bank Altura Plus Credit Card offers a cash advance option.

You can withdraw 2.5% of the transacted amount or Rs. 100, whichever amount is higher.

In summary, the AU Bank Altura Plus Credit Card is a reliable credit card option for shoppers seeking rewarding benefits.

While it lacks certain features such as golf privileges and insurance benefits, its shopping cashback, railway lounge access, and reasonable interest rates make it a practical and valuable choice.