
AU Bank Altura Plus Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
Milestone Benefit: Customers get 500 bonus reward points when they do INR 20,000 retail spending or more in a calendar month.
Cashback Rate
Users will get 2 reward points for spending INR 100. 1 reward point = INR 0.25. General cashback rate: 0.50%.
1 reward point per INR 100 spend on Utility & Telecom and Insurance category spends. Cashback rate: 0.25%.
1.5% cashback on retail spends at merchant outlets (Maximum cashback per statement cycle is INR 100).
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Other Benefits: 2 complimentary railway lounge access per calendar quarter.
Lounge Access
Other Benefits: 2 complimentary railway lounge access per calendar quarter.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
Milestone Benefit: Customers get 500 bonus reward points when they do INR 20,000 retail spending or more in a calendar month.
Cashback Rate
Users will get 2 reward points for spending INR 100. 1 reward point = INR 0.25. General cashback rate: 0.50%.
1 reward point per INR 100 spend on Utility & Telecom and Insurance category spends. Cashback rate: 0.25%.
1.5% cashback on retail spends at merchant outlets (Maximum cashback per statement cycle is INR 100).
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Other Benefits: 2 complimentary railway lounge access per calendar quarter.
Lounge Access
Other Benefits: 2 complimentary railway lounge access per calendar quarter.
Fees & Charges
Joining Fee
Rs 499 +taxes.
Annual Fee
Rs 499 +taxes.
Cash Advance Fee
2.5% of amount withdrawn, subject to a minimum of ? 100.
Interest rate
Interest Rate: 3.59% per month (43.08% annually).
Late Payment Fee
Fuel Surcharge: 1%. Waived for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum INR 150 per statement cycle)Late Payment fees: Rs 0 to Rs 1100 for outstanding amount ranging from Rs 0 to Rs 50,000 + amount.
Foreign Currency Transactions Fee
Foreign Currency: Mark up Fees: 3.49%.
Other Fees
For 1st year fee waiver – Rs.20,000 retail spends done within 90 days of card set up. | For 2nd year onwards fee waiver – Rs. 80,000 retail spends done in previous card anniversary year. | Cash Advance Charges 2.5% of amount withdrawn, subject to a minimum of ₹ 100.
Fees & Charges
Joining Fee
Rs 499 +taxes.
Annual Fee
Rs 499 +taxes.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.59% per month (43.08% annually).
Late Payment Fee
Fuel Surcharge: 1%. Waived for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum INR 150 per statement cycle)Late Payment fees: Rs 0 to Rs 1100 for outstanding amount ranging from Rs 0 to Rs 50,000 + amount.
Foreign Currency Transactions Fee
Foreign Currency: Mark up Fees: 3.49%.
Other Fees
For 1st year fee waiver – Rs.20,000 retail spends done within 90 days of card set up. | For 2nd year onwards fee waiver – Rs. 80,000 retail spends done in previous card anniversary year. | Cash Advance Charges 2.5% of amount withdrawn, subject to a minimum of ₹ 100.
Special Features
2 complimentary lounge access per calendar quarter.
Eligibility Criteria
•Primary cardholder between the age of 21 years and 60 years
•Add-on cardholder should be over 18 years
•Resident Indian
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Visit the AU Small Finance Bank website and navigate to the Altura Plus Credit Card page.
Click on "Apply Online".
Enter your mobile number and PAN details.
Accept the terms and conditions and generate an OTP.
Fill out the online application form, providing accurate information about yourself, your income, and employment.
Upload the necessary documents, which may include proof of identity, address, and income.
Submit the application form.
Contact Details
Toll Free No: 1800 1200 1200
1800 26 66677
Email: customercare@aubank.in
Account Opening and Procedure
Altura Plus Credit Card though marketed as a premium credit card by AU Small Finance Bank, does not have any benefits offered by a typical premium credit card. Users looking for premium credit card will be disappointed by this card.
Altura Plus Credit Card though marketed as a premium credit card by AU Small Finance Bank, does not have any benefits offered by a typical premium credit card. Users looking for premium credit card will be disappointed by this card.

Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai