AU Bank Credit Card Variants

ALTURA ALTURA + ALTURA +

VETTA ZENITH
 Altura Variant
Customer Segment
• Rural/Semi Urban – Up to mid income Sal/S.E./Others
• Urban – Low-Income, First-time credit card holders, Housewives
• Credit Card Limit: Min - 15,000 ; Max – 70,000

What’s in it for Customer?

• Joining/Annual Fee of Rs. 199 with an option of spend based fee waiver
• 1st year fee waiver with 10,000 spends in 90 days
• 2nd year fee waiver with 40,000 spends in prev. year
• Welcome Benefit: Get 5% cashback on min. spends* of 2500 in first 60 days (max. Rs. 150
cashback)
• Milestone Benefit: Cashback of Rs. 50 on >=10,000 spends* in a month
• Product Features:
• 2% cashback on Groceries and Dept. Stores, Utility Bill payments (max. of Rs. 50/month)
• 1% cashback for spends on all other categories* (max. Rs. 50/month)
• 1% Fuel Surcharge waiver for trxn b/w 400-5000 (max. Rs. 100/month)
• Complimentary 2 per quarter Domestic Railway Lounge access
• Insurance up to card limit in case of LCL/Skimming/Counterfeit

*T&C apply. Product cashback will exclude Rent, Wallet, Fuel and Cash spends). Please refer [Link] for latest features and benefits. 2
 Altura | Value Chart
Altura
Feature Monthly Spend Spends Cont. % Monthly Value Yearly Value
Grocery, Dept Stores,
3000 30% 50
Utility - 2% Cashback 1200
Other Cat. - 1% Cashback 6000 60% 50
Max Cashback – 100
Value Chart @ Fuel Surcharge Waiver 1000 10% 10 120
spends of Rs.10,000 Milestone - Rs.50 on
10000 - 50 600
per month Rs.10K spends
Railway Lounge 3200
Total 160 5120
Welcome Benefit - 5%
Cashback on min. Rs.2,500 - - - 150
spend, max 150

Welcome Benefit 150

Rs. 5270 Value Back to customer in a year! (4.3% on Rs.1.2 lakh spends)
Sales Pitch – Get 5,000+ Yearly Benefits on just 10,000 monthly spends!

*T&C apply. Product cashback will exclude Rent, Wallet, Fuel and Cash spends). Please refer [Link] for latest features and benefits. 3
Altura + Variant
Customer Segment
• Rural/Semi Urban – Mid to high income Sal/S.E./Others
• Urban – Mid income group
• Credit Card Limit: Min - 50,000 ; Max – 1,50,000

What’s in it for Customer?

• Joining/Annual Fee of Rs. 499 with an option of spend based fee waiver
• 1st year fee waiver with 20,000 spends in 90 days
• 2nd year fee waiver with 80,000 spends in prev. year
• Welcome Benefit: Rs. 500 flat voucher (Amazon, Bigbasket, Uber, Swiggy,
Bata, Bookmyshow etc.) on min. spend of 10,000 in first 60 days
• Milestone Benefit: 500 Reward Points (RP) on >=20,000 spends in a month
• Product Features:
• Up to 2 RPs/Rs.100 on all Online Spends (1RP = 0.25 Rs.)
• 1.5% cashback for all POS spends (max. Rs. 100/month); For POS
spends >Rs. 6,667, customer will earn 1 RP/Rs. 100
• 1% Fuel Surcharge waiver for trxn b/w 400-5000 (max. Rs. 150/month)
• Complimentary 2 per quarter Domestic Railway Lounge access
• Insurance up to card limit in case of LCL/Skimming/Counterfeit

*T&C apply. Cash & Fuel transactions are excluded from earning of Reward [Link] refer [Link] for latest features and benefits. 4
Altura + | Value Chart
Altura +
Feature Monthly Spend Spends Cont. % Monthly Value Yearly Value
POS Cashback - 1.5%, max 100 9000 45% 100 1200
POS Rewards - 1/100 2000 10% 5 60
Ecom Rewards - 2 RP/100 7000 35% 35 420
Value Chart @ Fuel Surcharge Waiver 2000 10% 20 240
Milestone - 500 RPs on Rs.20K
spends of Rs.20,000 20000 - 125 1500
spends
per month Railway Lounge 3200
Total 285 6620
Welcome Benefit - Rs.500
- - - 500
voucher on Rs.10K spends
Welcome Benefit 500
Yearly Benefit 6620

Rs. 7,120 Value Back to customer in a year! (2.9% value on Rs.2.4 lakh spends)
Sales Pitch – Get up to 7,000 Yearly Benefits on just 20,000 monthly spends!

*T&C apply. Cash & Fuel transactions are excluded from earning of Reward Points. 1 RP per Rs. 100 on Rent, Utility, Insurance, Govt & Edu. 5
Please refer [Link] for latest features and benefits.
Vetta Variant

Customer Segment

• Rural/Semi Urban – High Income Sal/S.E.

What’s in it for Customer?

• Joining/Annual Fee of Rs. 2999 with an option of spend based fee waiver
• 1st year fee waiver with 40,000 spends in 90 days
• 2nd year fee waiver with 1,50,000 spends in prev. year

• Welcome Benefit: Rs. 2,000 flat voucher (Amazon, Bigbasket, Uber, Swiggy, Bata, Bookmyshow
etc.) on min. spend of 30,000 in first 60 days

• Product Features:
• 4 RPs/100 on Utility, Groceries and Dept. stores,
• Up to 2 RPs/100 on all other spends* (1RP = 0.25 Rs.)
• 1000 Bonus RPs as Birthday Gift for 1st trxn on that day
• 1% Fuel Surcharge waiver for trxn b/w 400-5000 (max. Rs. 250/month)

*T&C apply. Fuel and cash transactions are excluded from earning of Reward [Link] refer [Link] for latest features and benefits. 6
Vetta Variant
What’s in it for Customer?
• Milestone Benefit:
• Quarterly: 500 RPs on >= Rs. 50,000 spends/quarter & additional 1000
RPs on reaching Rs. 1 Lac spends/quarter
• Yearly: Rs. 1000 Amazon/MMT voucher on 2.5 Lac spends in a year

• Lounge Access:
• Complimentary 1 per quarter Domestic Lounge access
• Complimentary 1 per quarter access to Priority Lounge
• Complimentary 2 per quarter Domestic Railway Lounge access

• Other Benefits:
• Dedicated Concierge
• Customer Call Prioritization and dedicated Customer support email ID
• Insurance:
• Air Cover – 50 Lac; Credit Shield – 5 Lac
• LCL/Skimming/Counterfeit – 2 Lac
• Baggage Delay/Baggage Lost/Trip Delay allowance

7
*T&C apply. Fuel and cash transactions are excluded from earning of Reward [Link] refer [Link] for latest features and benefits.
Vetta| Value Chart
Vetta
Feature Monthly Spend Spends Cont. % Monthly Value Yearly Value
Utility, Grocery/Dept Stores (4 RP/100) 11,025 35% 55 661
Base Rewards (Up to 2 RP/100) 31500 90% 158 1890
Birthday Gift (1000 RPs on 1st txn) - - - 250
FSW 3500 10% 35 420
Value Chart @ Quarterly - 500 RP on Rs.50K spends - - - 500
spends of Quarterly - Addnl. 1000 RP on Rs.1L spends - - - 2000
Rs.35,000 per Yearly - Rs.1000 voucher on Rs.2.5L spend - - - 1000
Domestic Lounge - 1/qtr - - - 3920
month Priority Pass - 1/qtr - - - 7560
Railway Lounge – 2/qtr 3200
Total 248 21,401
Welcome Benefit - Rs.2000 on Rs.30K spends - - - 2000
Welcome Benefit 2000
Yearly Benefit 23,401

Rs.24,052 Value Back to customer in a year! (5.57% value on Rs.4.2 lakh spends)
Sales Pitch – Get 23,401 Yearly Benefits on just 35,000 monthly spends!
8
*T&C apply. Fuel and cash transactions are excluded from earning of Reward [Link] refer [Link] for latest features and benefits.
Zenith Variant
Customer Segment
• Urban – High income group
• Credit Card Limit: Min – 5,00,000 ; Max – 20,00,000

What’s in it for Customer?

• Joining/Annual Fee of Rs. 7999 with an option of spend based fee waiver
• 1st year fee waiver with 1,25,000 spends in 90 days
• 2nd year fee waiver with 5,00,000 spends in prev. year

• Welcome Benefit:
• Rs. 1,000 flat voucher (Amazon or MMT) on 1st POS trxn within 60 days
• 10,000 RPs on Rs. 1 Lac spends in 60 days

• Product Features:
• 20 RPs/Rs.100 on Fine Dining Restaurants, 10 RPs/100 on Groceries &
Dept. stores and International spends, 5 RPs/100 on all other spends
• 2500 Bonus RPs as Birthday Gift for 1st trxn on that day (1RP = 0.25 Rs.)
• Lower Mark up fees of 1.99%

*T&C apply. Cash and Fuel transactions are excluded from earning of Reward [Link] refer [Link] for latest features and 9
benefits.
Zenith Variant
What’s in it for Customer?
• Milestone Benefit:
• Quarterly: Rs. 1000 voucher (Amazon/Bigbasket/Lifestyle/BMS) on >=
Rs. 2 Lac spends/quarter
• Yearly: Taj Epicure membership (worth approx. Rs. 13,999) on 8 Lac
spends in a year

• Lounge Access:
• Complimentary 4 per quarter Domestic Lounge
• Complimentary 2 per quarter access to Priority Lounge
• Complimentary 2 per quarter Domestic Railway Lounge access

• Other Benefits:
• 1% Fuel surcharge waiver ([Link].1000 in a statement cycle)
• Dedicated Concierge
• Customer Call Prioritization and dedicated Customer support email ID
• Insurance:
• Air Cover – 2 Cr; Credit Shield – 15 Lac
• LCL/Skimming/Counterfeit – 5 Lac
• Baggage Delay/Baggage Lost/Trip Delay allowance
10
Zenith| Value Chart
Infinite
Feature Monthly Spend Spends Cont. % Monthly Value Yearly Value
Dining (20 RP/100) 10125 15% 505 6060
Grocery/International (10 RP/100) 23625 35% 590 7080
Base Rewards (5 RP/100) 67500 90% 844 10125
Birthday Gift (2500 RPs on 1st txn) - - - 625
Fuel Surcharge Waiver 7500 10% 75 900
Value Chart @
Quarterly - Rs.1000 voucher on 2L spend - - - 4000
spends of
Yearly – Taj Epicure membership on 8L spend - - - 7000
Rs.75,000 per
Domestic Lounge - 4/qtr - - - 15680
month Priority Pass - 2/qtr - - - 15120
Railway Lounge 3200
Total 2014 69790
Welcome Benefit - Rs.1000 voucher on 1st POS
- - - 1000
txn
Welcome Benefit - 10000 RPs on 100000 spend - - - 2500
Welcome Benefit 3500
Yearly Benefit 69790

Rs.72,490 Value Back to customer in a year! (8.2% value on Rs.9 lakh spends)
Sales Pitch – Get 72000+ worth Yearly Benefits on just 75,000 monthly spends!
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LIT Credit-Card