AU Small Finance Bank Altura Plus Credit Card

Annual fee

₹499 + GST

Reward rate

1.5% cashback · everyday spends1.5% cashback

Reward exclusions

Fuel transactions and Cash withdrawal are excluded from Bonus Reward Points spends calculation

Fuel surcharge waiver

1% Fuel surcharge waiver across India.

Balance transfer terms

Processing charges 1% of Balance Transfer amount, subject to a minimum of ₹250

Forex markup

3.49% on foreign currency transactions.3.49% cross currency markup

Cash advance fee

2.5% of the cash withdrawal amount or ₹500, whichever is higher.

Interest on unpaid balance

3.75% per month (45% per annum)

Interest-free period

Up to 50 days (not applicable for cash withdrawal)

Late payment fee

15% of Total Amount Due (Minimum ₹10, Maximum ₹1300)

Over-limit fee

2.5% of overlimit amount, subject to a minimum of ₹500

Payment return or dishonour fee

2% of total amount due or ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher.

Card replacement fee

₹100

Cash payment / cash deposit fee

NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode.

Education / school fee charge

1% of transaction value, subject to minimum of ₹99 per transaction on education payments done through third party applications like, not limited to, CRED, PhonePe, Paytm, MobiKwik, Freecharge etc.

EMI conversion fee

Xpress EMI: 1% of the Amount being converted to EMI, subject to a minimum of ₹99 + GST; Instant EMI: ₹199 + GST as Processing Fees on every EMI transaction done at any Point-of-Sale unit or through Payment Gateway

Foreign ATM fee

2.5% or ₹500 whichever is higher on the amount withdrawn from domestic/international ATMs.

Rent transaction fee

1% of transaction value, subject to minimum of ₹99 per transaction on domestic rental transactions

GST note

GST 18% applicable on all fees, interest & charges

Minimum amount due

5% of Principal outstanding if Total Amount Due for previous statement was paid on/or before due date, 2% if not; + 100% of Fees/Charges + 100% of Interest Charges + Due EMI(s) + 100% of Annual Membership Fee (if applicable) + 100% of GST

Eligibility

Self Employed: 25 years to 65 years; Salaried: 21 years to 60 years; Resident Indian.

Minimum age

Primary cardholder age group: Self Employed: 25 years to 65 years; Salaried: 21 years to 60 years.