AU

AU Altura Plus Credit Card

Apply for AU Altura Plus Credit Card. Earn 2X rewards on online spends, 1.5% offline cashback, 8 railway lounge visits/year & device protection cover. Best for everyday spenders.

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Issued by

AU

AU Altura Plus Credit Card image
Joining FeeFree
Annual FeeFree
Income₹400000
Credit Score720

Key Highlights

Earn 2 Reward Points Per ₹100

on all eligible online retail purchases

Shopping

Earn 500 Bonus Reward Points Every Month

on spending ₹20,000 or more on eligible retail purchases in a calendar month

Earn 1.5% Cashback On Offline Retail Spends

capped at ₹100 per statement cycle

Travel

Get 2 Complimentary Railway Lounge

Visits Per Quarter at select railway stations across India, totalling 8 visits per year

Eligibility

Age Criteria21-60
Credit Score720
Salaried Income₹4 LPA
Self-employed Income₹5 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining FeeFree

The joining fee of ₹499 is waived on completing minimum retail spends of ₹20,000 within 90 days of card set up.

Joining Fee OffsetNot Applicable
Annual FeeFree
Annual Fee WaiverNot Applicable
Estimated Annual Saving₹30000

Rewards & Redemption

Reward Conversion1 Reward Point = ₹0.25
Redemption Options
  • Flights
  • Hotels
  • Vouchers
  • Merchandise
  • Mobile/DTH recharge
Earning ExclusionsCash, Rent, Education Spends, Government transactions, EMI Spends, Fuel Spends, BBPS payments, Quasi-Cash Transactions, ATM Cash Withdrawals
Spend ExclusionsCash, Rent, Education Spends, Government transactions, EMI Spends, Fuel Spends, BBPS payments, Quasi-Cash Transactions, ATM Cash Withdrawals

Benefits

All Benefits

  • Earn 1.5% cashback on offline retail spends, capped at ₹100 per statement cycle
  • Earn 2 Reward Points per ₹100 on all online transactions
  • 2 complimentary railway lounge visits per quarter, totalling 8 per year
  • 500 bonus Reward Points on spending ₹20,000 or more in a calendar month
  • Device protection plan covering insurance and extended warranty on electronic purchases

Railway Lounge Benefits

  • 2 complimentary railway lounge visits per calendar quarter at select railway stations across India, totalling 8 visits per year

Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations across India, capped at ₹150 per statement month

Insurance Benefits

  • Device protection plan covering insurance and extended warranty on mobile and electronic purchases made using the card
  • Card liability cover against unauthorized transactions on the card

Bank Offer

  • Convert transactions of ₹2,000 or more into EMI across select tenures

Milestone Benefits

Minimum Spend₹20000
Within30 days
Reward Points Bonus500

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

FAQ

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