Credit Card

AU Bank Altura Plus Credit Card

The AU Small Finance Bank Altura Plus Credit Card can be considered a superior version of the Altura Credit Card offered by the bank. It comes with a joining fee of Rs. 499 and provides you with a gift voucher worth Rs. 500 as a welcome benefit. With this card, you can earn 1.5% cashback on all your POS retail spends and 2x reward points on online purchases. You can earn unlimited reward points as there is no maximum cap on them. Moreover, you also get an opportunity to earn 500 bonus Reward points every month on achieving the milestone spend.

Along with its reward and cashback offers, this card also provides its customers with complimentary railway lounge access at selected railway stations in India. Other card benefits include spend-based waiver of the joining & annual fee, 1% fuel surcharge waiver, zero liability protection, etc. To know more about the features of this card, keep reading:

  • Joining Fee- Rs. 499 + applicable taxes
  • Renewal Fee- Rs. 499 + applicable taxes
  • Best Suited For- Shopping
  • Reward Type- Reward Points
  • Welcome Benefits- Gift voucher worth Rs. 500 from some top brands.

Rewards and Benefits

  • Movie & Dining- NA
  • 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.
  • Travel- Get complimentary railway lounge access at selected locations in India
  • Golf- NA
  • Domestic Lounge Access- 2 complimentary domestic lounge access every calendar quarter.
  • International Lounge Access- NA
  • Insurance Benefits- NA
  • Zero Liability Protection- You will not be liable for any fraudulent transactions made on your card once the card is reported lost/stolen to the bank.

Fees & Charges

  • Spend based Waiver- Joining fee waived off on spending Rs. 20,000 or more within the first 90 days and the renewal fee waived off on spending Rs. 80,000 in the previous year.
  • Rewards Redemption Fee- Nil
  • Foreign Currency Markup- 3.49% on all foreign currency spends.
  • Interest Rates- 3.49% per month
  • Fuel Surcharge- 1% fuel surcharge waiver for all transactions between Rs. 400 & Rs. 5,000.
  • Cash Advance Charge- 2.5% of the transacted amount or Rs. 100
  • Add-on Card Fee- Nil

Product Details

  • Gift vouchers worth Rs. 500 as a welcome benefit.
  • 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.
  • 1% fuel surcharge waiver.
  • Zero liability protection against the lost card.

AU Bank Altura Plus Credit Card Features and Benefits

The AU Small Finance Bank Altura Plus Credit Card is a newly launched credit card that comes with exciting rewards and benefits across different categories. All its benefits and features are given below in detail:

Welcome benefits

You get gift vouchers worth Rs. 500 from several Top brands on spending Rs. 10,000 or more within the first 60 days from the card activation date.

Milestone Benefits

You get 500 bonus Reward Points on achieving the milestone spend of Rs. 20,000 in a calendar month.

Travel Benefits

  • You get 2 complimentary railway lounges access every quarter.
  • The complimentary lounge facility can be availed only at these locations: Kolkata, Ahmedabad, Jaipur, New Delhi, Madurai, and Agra.
  • These complimentary visits can be availed by primary as well as add-on cardholders (both inclusive within the number mentioned above).

Fuel Surcharge Waiver

  • You get a 1% fuel surcharge waiver at all fuel stations for transactions between Rs. 400 and Rs. 5,000.
  • The maximum fuel surcharge waiver is capped at Rs. 150 per statement cycle.

Spend-Based Waiver

  • The joining fee of Rs. 499 is waived off if you spend Rs. 20,000 or more within the first 30 days after the card set-up date.
  • The renewal fee is waived off if you spend Rs. 80,000 or more in the previous anniversary year.

AU Small Finance Bank Altura Plus Credit Card Rewards/Cashback

  • You get a cashback of 1.5% on POS retail transactions at merchant outlets.
  • The maximum cashback per statement cycle is capped at Rs. 100.
  • You earn 1 Reward Point on every Rs. 100 on POS retail purchases after reaching the maximum limit of cashback.
  • You earn 2x Reward Points on online transactions.
  • There is no maximum cap on reward points.
  • You don’t earn any reward points/cashback on fuel transactions.

Reward Redemption

  • The reward points you earn can be redeemed against various categories, including flight/hotel bookings, DTH/mobile recharges, merchandise, gift vouchers, etc at AU Rewardz.
  • 1 Reward Point = Re. 0.25.

AU Bank Altura Plus Card Eligibility Criteria

The AU Bank’s Altura Credit Card has certain eligibility requirements that need to be fulfilled by the applicants if they want to get approved for this card. The basic eligibility criteria for this card are given below:

  • Your age should be between 21 years and 60 years.
  • The age of your add-on cardholders should be more than 18 years.
  • You must be a resident of India.

Documents Required

The list of documents required for the Altura Plus Credit Credit Card is as follows:

  • Identity Proof: Voter’s Card, Aadhar Card, PAN Card, Passport, or Driving License.
  • Address Proof: Utility bills of the latest months, Ration Card, Aadhar Card, or Passport.
  • Latest three months’ salary slips/bank statements, or latest audited ITR.

How To Apply For The AU Bank Altura Plus Credit Card?

To apply for the AU Bank Altura Plus Credit Card, follow these simple steps:

  • Visit the official website of the AU Small finance bank.
  • Click on the option ‘Cards’ and choose credit cards.
  • Now. select the Altura Plus Credit Card and click on view details.
  • Click on ‘Apply Now.’
  • Enter your mobile number and OTP for verification.
  • Fill in all the required details.


The AU Small Finance Bank Altura Plus Credit Card would be a great choice for you if you are looking for an affordable credit card with multiple benefits. It is a superior version of the Altura Credit Card by AU Bank that comes with a slightly lower annual fee and basic features. Along with the great cashback and reward offers, this card provides you with an opportunity to earn up to 6,000 bonus Reward Points every month, which are equivalent to Rs. 1,500. Moreover, you can save Rs. 500 more by getting your annual fee waived off every year. So, if you want a basic card with benefits across different categories, you must try the AU Bank Altura Plus Credit Card.

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