AU Altura Credit Card

Premium Visa Signature with 4X rewards and 8 lounge visits

JOIN: ₹2,999
ANNUAL: ₹2,999
REWARDS: 1.00%
APR: 39.00% p.a.

VISA Signature Hybrid VIRTUAL OK

§ ELIGIBILITY

Employment: Salaried / Self-Employed
Min annual income: ₹9,00,000
Min monthly salary: ₹75,000
Age: 21 – 65
Min credit score: 730
Existing account?: Not required
Invitation only?: No

§ FEES

Joining fee: ₹2,999
Annual fee: ₹2,999
APR (monthly): 3.25% p.m.
APR (annual): 39.00% p.a.
Late payment fee: ₹1,000
Over-limit fee: ₹500
Cheque bounce: ₹500
Grace period: 50 days
Min due: 5%

§ ATM & CASH

Own bank free / month: 5
Own bank charge: —
Other bank free / month: 3
Other bank charge: ₹250
International withdrawal: ₹250
Cash advance fee: 2.5%

§ TRANSACTIONS

Currency markup: 2.5%
DCC fee: 1%
Cross-border fee: —
SMS alert / month: —
PIN regen: —
Physical statement: ₹100

§ FUEL

Surcharge waiver: 1%
Min txn: ₹400
Max txn: ₹5,000
Max waiver / cycle: ₹250
Networks: All

§ LIMITS

ATM / day: ₹75,000
POS + e-com / day: ₹7,50,000
Contactless / txn: ₹5,000
Contactless / day: ₹50,000

§ INSURANCE

Accidental death cover: ₹50,00,000
Permanent disability: ₹50,00,000
Air accident: ₹50,00,000
Travel insurance: ₹20,00,000
Baggage: ₹50,000
Lost-card liability: ₹5,00,000
Purchase protection: ₹1,00,000

§ REWARDS

Programme: AU Reward Points
Earn rate: 4 RP per ₹100 on all spends
Point value: ₹0.25
Effective cashback: 1.00%
Min redemption: 500 pts
Expiry: Valid for 3 years

§ LOUNGE

Domestic: 2 per quarter
International: Not available
Domestic guests allowed?: No
International guests allowed?: No

Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with AU Small Finance Bank and earns no commission on applications.

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