AU Altura Plus Credit Card Benefits: A Detailed Review

The AU Altura Plus Credit Card is an entry-level rewards card designed for everyday spending. From online shopping to travel-related expenses, it lets you earn reward points, cashback benefits, railway lounge access and fuel surcharge waivers along the way.

All of these benefits come together to offer better value for money, especially since the card comes with affordable annual fees and milestone bonuses. Read on to know more about it.

AU Altura Plus Credit Card Reward Structure 

• Get 2X reward points on online spends. 
• Avail 1 reward point for every ₹100 on offline spends.
• Get a 500 bonus reward points on retail spends worth ₹20,000 or more in a calendar month.
• Get 1 reward point for every ₹100 spent on Utility, Telecom and Insurance category spends.
• Get 1 reward point for every ₹100 retail spend (except fuel) on POS, after reaching the maximum cashback limit.

AU Altura Plus Credit Card Benefits

• Shop and earn a cashback of 1.5% on offline spends.
• Get easy EMI options available on transactions of ₹2,000 or more on select tenures of your choice.
• Get 8 complimentary railway lounge access every year.
• Avail 1% fuel surcharge waiver of up to ₹150 for every transaction made between ₹400 and ₹5,000 at all fuel stations across the country.
• Make pin-free payments at the participating merchants for amounts up to ₹5,000.

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Fees and Charges of the AU Altura Plus Credit Card

The AU Altura Plus Credit Card annual fee is ₹499 + GST. Cardholders can get a 1st-year fee waiver on a minimum retail spend of ₹ 20,000 within 90 days of setting up the card. 

For the 2nd year onwards fee waiver, cardholders need to do ₹80,000 retail spends in the previous anniversary year.

The table below outlines other applicable charges.

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AU Altura Plus Credit Card Eligibility Criteria

To apply for the AU Altura Plus Credit Card, applicants must meet certain basic eligibility requirements. Self-employed individuals should be between 25 and 65 years of age, while salaried applicants must be between 21 and 60 years.

Add-on cardholders need to be at least 18 years old. In addition, all applicants must be permanent residents of India.

Note: The criteria mentioned above are subject to change at any point in time at the sole discretion of the bank.

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