AU Bank Altura Plus Credit Card offers a blend of cashback, rewards, and travel benefits for everyday spending. You earn 1.5% cashback on POS retail spends and 2X reward points on online transactions. Get 500 bonus reward points every month on spending ₹20,000 or more and enjoy 2 complimentary railway lounge accesses per quarter. The card also provides a 1% fuel surcharge waiver, contactless payment convenience, and zero liability protection on lost or stolen cards. The joining and annual fee is ₹499, which can be waived off with high retail spends. Ideal for those seeking cashback and reward value on daily purchases.
Key Highlights of the AU Bank Altura Plus Credit Card:
| Feature | Details |
|---|---|
| Card Type | Cashback & Rewards Credit Card |
| Joining Fee | ₹499 + applicable taxes (waived on ₹20,000 spend within 90 days) |
| Annual Fee | ₹499 + applicable taxes (waived on ₹80,000 annual spend) |
| Welcome Benefit | Vouchers worth ₹500 on spending ₹10,000 within 60 days |
| Cashback Benefit | 1.5% cashback on POS retail spends (max ₹100 per statement cycle) |
| Rewards on Online Spend | 2X reward points per ₹100 on online retail transactions |
| Monthly Milestone Benefit | 500 bonus reward points on ₹20,000 monthly retail spend |
| Railway Lounge Access | 2 complimentary railway lounge visits per quarter (for primary & add-on cardholders) |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400–₹5,000 (max ₹150 per cycle) |
| EMI Conversion | Available for transactions above ₹2,000 |
| Reward Redemption | 1 Reward Point = ₹0.25 (redeem via AU Rewardz Portal) |
| Foreign Currency Markup | 3.49% |
| Best Suited For | Everyday shopping, travel, and online rewards |
This card is ideal for users seeking cashback and reward value on daily purchases, with added perks like railway lounge access, bonus points, and fuel surcharge waivers.
AU Bank Altura Plus Credit Card – Features & Benefits:
- 1.5% cashback on all POS retail spends at merchant outlets.
- 2X reward points on every ₹100 spent on online purchases.
- 500 bonus reward points every month on ₹20,000 retail spends.
- 2 complimentary railway lounge access per quarter (for primary & add-on cardholders).
- 1% fuel surcharge waiver on transactions between ₹400–₹5,000 (max ₹150 per cycle).
- Welcome vouchers worth ₹500 on spends of ₹10,000 within 60 days.
- Annual/Joining Fee: ₹499 + taxes (waived on achieving spend milestone).
- Contactless payment and XpressEMI option on purchases above ₹2,000.
- Zero liability protection against fraud after card loss reporting.
Perfect for users who want cashback, travel perks, and online rewards in one affordable card.
AU Altura Plus Credit Card Fees & Charges:
| Fee/Charge Type | Amount / Details |
|---|---|
| Joining Fee | ₹499 + applicable taxes (waivable on first ₹20,000 spend within 90 days) |
| Annual Fee | ₹499 + applicable taxes (waivable on ₹80,000 annual spend) |
| Fuel Surcharge | 1% waiver on fuel transactions between ₹400–₹5,000 (max ₹150 per statement cycle) |
| Cash Withdrawal Fee | 2.5% of transaction amount or ₹300, whichever is higher |
| Late Payment Fee | Rs. 300 to Rs. 750, depending on overdue amount |
| Overlimit Fee | ₹750 (if credit limit exceeded) |
| Foreign Currency Markup | 3.49% of transaction amount |
| Duplicate Statement Fee | ₹100 per statement |
| Replacement Card Fee | ₹200 (plus taxes) |
These charges reflect standard costs and waiver options based on usage, making it suitable for users who maintain spending thresholds to avoid annual fees.
Eligibility & Documentation for AU Altura Plus Credit Card:
Eligibility Criteria
- Must be an Indian resident.
- Age: Primary cardholder between 21 to 60 years; add-on cardholder above 18 years.
- Minimum annual income: ₹2.5 lakh (varies by profile and bank’s discretion).
- Minimum credit score of around 750 is preferred for best offers, though bank may consider slightly lower scores with good repayment history.
- Stable employment/income source and good repayment behavior improve chances of approval.
- Existing liabilities and banking relationships may also be evaluated.
Documentation Required
- Proof of Identity: PAN card, Aadhaar card, Passport, or Driving Licence.
- Address Proof: Passport, Aadhaar card, utility bills, bank statements, or rental agreement.
- Income Proof: Salary slips, income tax returns, Form 16, or bank statements.
- Recent passport-sized photographs may also be required.
These conditions and documents align with AU Small Finance Bank’s standard credit card issuance policies, balancing eligibility with risk assessment.
FAQs on AU Altura Plus Credit Card
Q1: What is the joining and annual fee for the AU Altura Plus Credit Card?
A: The joining and annual fee is ₹499 plus applicable taxes, which can be waived on achieving specific spend thresholds (₹20,000 within 90 days for joining fee waiver and ₹80,000 annual spend for annual fee waiver).
Q2: What cashback and rewards can I earn on this card?
A: You earn 1.5% cashback on POS retail spends and 2X reward points on online purchases. Additionally, you get 500 bonus reward points monthly on ₹20,000 retail spends.
Q3: Does the card offer any travel benefits?
A: Yes, it provides 2 complimentary railway lounge accesses every quarter for both primary and add-on cardholders.
Q4: Is there a fuel surcharge waiver?
A: Yes, a 1% waiver applies on fuel transactions between ₹400 and ₹5,000, up to ₹150 per billing cycle.
Q5: What is the minimum eligibility to apply?
A: Applicants should be Indian residents, aged 21-60 years for the primary cardholder, with a minimum annual income of around ₹2.5 lakh and a good credit score.
Q6: What documents are required for application?
A: Identity proof (PAN, Aadhaar, Passport), address proof, income proof (salary slips, ITR), and passport-sized photos.
Q7: Is there an option for EMI on purchases?
A: Yes, transactions above ₹2,000 can be converted to EMI via the XpressEMI feature.
These FAQs cover the common queries users have about the card’s fees, rewards, eligibility, and usage benefits, aiding informed decision-making.
