The AU Altura Plus Credit Card is designed for customers who want to earn rewards and cashback on everyday spending while enjoying additional benefits such as railway lounge access and a fuel surcharge waiver.

The card can be particularly attractive for customers who frequently spend on online retail purchases, offline POS transactions, utility bills, telecom services, insurance, and fuel.

As per the offer details provided, joining and annual fees are Nil for a limited time, making the card an interesting option for eligible applicants looking for a low-cost credit card.

One of the key highlights is the opportunity to earn 2 Reward Points per Rs 100 on online retail purchases and 1 Reward Point per Rs 100 on eligible utility, telecom, and insurance spending. Cardholders can also earn cashback on eligible offline POS retail transactions.

Important: Fees, reward structures, lounge benefits, eligibility requirements, and promotional offers can change. Always verify the latest terms and conditions with AU Small Finance Bank before applying.

AU Altura Plus Credit Card Benefits

The AU Altura Plus Credit Card benefits make it suitable for customers who want a combination of rewards, cashback, railway lounge access, and fuel savings.

1. No Joining and Annual Fee for a Limited Time

As per the promotional offer provided, the card comes with:

• Joining Fee: Nil
• Annual Fee: Nil

This is a limited-time offer, so applicants should confirm the applicable fees before submitting their application.

2. Earn Reward Points on Online Retail Purchases

Cardholders can earn 2 Reward Points per Rs 100 spent on online retail purchases.

This benefit can be useful for people who regularly shop online and want to accumulate reward points through their everyday purchases.

The value mentioned in the offer is:

1 Reward Point = Rs 0.25

3. Rewards on Utility, Telecom and Insurance Payments

You can earn 1 Reward Point per Rs 100 on eligible spending in categories such as:

• Utility bills
• Telecom
• Insurance

However, utility and telecom transactions are subject to a limit of 100 Reward Points per transaction.

4. 1.5% Cashback on Eligible Offline POS Retail Spending

The card offers 1.5% cashback on eligible offline POS retail spends, capped at Rs 100 per month.

For POS spending above Rs 6,667, the offer information states that customers earn 1 Reward Point per Rs 100 instead of cashback.

Therefore, customers should understand the cashback cap before choosing this card primarily for offline spending.

5. Complimentary Railway Lounge Access

The AU Altura Plus Credit Card lounge access benefit includes 2 complimentary railway lounge visits every calendar quarter at select railway stations across India.

This means eligible cardholders can potentially enjoy up to 8 complimentary railway lounge visits per calendar year, subject to applicable terms, participating stations, and card eligibility conditions.

Customers looking for an AU Altura Plus Credit Card lounge access list should check the latest official list of participating railway lounges before planning their journey.

6. Monthly Bonus Reward Points

Cardholders can receive 500 bonus Reward Points every month when their total retail spending exceeds Rs 20,000.

Since 1 Reward Point is stated to be worth Rs 0.25, 500 points represent a value of Rs 125, subject to the applicable redemption terms.

7. Fuel Surcharge Waiver

The card provides a 1% fuel surcharge waiver on eligible fuel transactions between Rs 400 and Rs 5,000.

The maximum waiver is capped at Rs 150 per month.

This feature may provide additional savings for customers who regularly use their vehicles and spend on fuel.

AU Altura Plus Credit Card Fees & Charges

Here is a quick overview of the fees mentioned in the promotional offer:

Fee / Charge	Details
Joining Fee	Nil – Limited Time Offer
Annual Fee	Nil – Limited Time Offer
Reward Point Value	1 Reward Point = Rs 0.25
Offline POS Cashback	1.5%, capped at Rs 100/month
Fuel Surcharge Waiver	1% on eligible transactions
Maximum Fuel Waiver	Rs 150/month
Railway Lounge Access	2 complimentary visits per calendar quarter

AU ALTURA PLUS CREDIT CARD APPLY HERE

Note: This is a summary based on the information provided. Other charges, such as finance charges, late payment fees, cash advance fees, foreign currency markup, and applicable taxes, should be checked in the latest official AU Bank schedule of charges.

AU Altura Plus Credit Card Eligibility

The stated eligibility criteria for the AU Altura Plus Credit Card are:

• Age: 21 to 65 years
• Employment: Salaried and self-employed applicants
• Credit Score: 750+ preferred
• New to Credit: Not allowed

Eligibility and approval are subject to the bank’s internal credit assessment. Meeting the stated criteria does not guarantee card approval.

Documents Required for AU Altura Plus Credit Card

Applicants may need to provide the following documents:

Identity Proof

• PAN Card
• Form 60, where applicable

Address Proof

• Aadhaar Card
• Passport
• Utility bill

Income Proof

• Bank statements
• Salary slips

Photograph

• Recent passport-sized photograph

The exact documents required may vary depending on the applicant’s profile and the bank’s verification process.

AU Altura Plus RuPay Credit Card Benefits

If you are specifically searching for AU Bank Altura Plus RuPay Credit Card benefits, check the card variant available to you at the time of application.

The benefits listed in this article are based on the AU Altura Plus Credit Card offer information provided. Applicants should verify whether the same rewards, cashback, railway lounge access, and other features apply to the RuPay variant before applying.

If a RuPay variant is offered, customers should also check whether it supports their preferred UPI and payment requirements.

AU Altura Plus Blue Credit Card – Is It the Same Card?

The term AU Altura Plus Blue Credit Card may be used by users searching for the card based on its design or variant. However, applicants should verify the exact card name displayed during the application process.

Before applying, check:

• Exact card variant
• Visa or RuPay network
• Current fees
• Reward structure
• Lounge access
• Cashback limits
• Eligibility criteria

This helps avoid confusion between the AU Altura, AU Altura Plus, and any other AU Bank credit card variants.

AU Altura Plus Credit Card Limit

The AU Altura Plus Credit Card limit is not a fixed amount that applies to every customer.

The credit limit offered by AU Bank can depend on factors such as:

• Income
• Credit history
• Existing liabilities
• Credit score
• Repayment history
• Internal bank assessment

Applicants should therefore not assume a specific credit limit before approval. The final limit is determined by the bank based on the applicant’s profile.

AU Altura Plus Credit Card Lifetime Free – Is It Really LTF?

Many customers search for AU Altura Plus Credit Card lifetime free because the promotional offer mentions Nil joining and annual fees.

However, the information provided specifies that the Nil joining fee and Nil annual fee are available for a limited-time period.

Therefore, customers should not automatically consider the card permanently lifetime free unless the application offer or official card terms clearly confirm that the annual fee is waived for the lifetime of the card.

Always check the fee details shown during the application process.

AU Altura Plus Credit Card Pros and Cons

Pros	Cons
Nil joining and annual fee under the limited-time offer	Nil fees are stated as a limited-time offer
2 Reward Points per Rs 100 on online retail purchases	Reward point value is only Rs 0.25 per point
1 Reward Point per Rs 100 on eligible utility, telecom and insurance spends	Utility and telecom rewards have transaction-level caps
1.5% cashback on eligible offline POS retail spends	Cashback is capped at Rs 100 per month
2 complimentary railway lounge visits per calendar quarter	Lounge access is available only at select railway stations
500 bonus Reward Points on monthly retail spends above Rs 20,000	Requires a high monthly spending threshold
1% fuel surcharge waiver on eligible transactions	Fuel waiver is capped at Rs 150 per month
Available for salaried and self-employed applicants	New-to-credit applicants are not eligible as per the supplied criteria

Who Should Apply for AU Altura Plus Credit Card?

The AU Altura Plus Credit Card may be suitable for:

• People who regularly shop online
• Customers who pay utility and telecom bills using a credit card
• Users who want rewards on insurance payments
• Customers who spend on offline retail purchases
• Frequent railway travelers who can use participating railway lounges
• Existing credit users with a strong credit profile
• Customers looking for a card with a limited-time Nil joining and annual fee offer

It may be less suitable for someone who wants high unlimited cashback, extensive airport lounge access, or a card specifically designed for international spending.

AU Altura Plus Credit Card – How to Maximize Your Benefits

To get more value from the card, consider these strategies:

1. Use the card for eligible online retail purchases to earn 2 Reward Points per Rs 100.
2. Pay eligible utility, telecom, and insurance expenses to earn reward points.
3. Use eligible offline POS retail spending to earn cashback, keeping the monthly cashback cap in mind.
4. If your spending is naturally above Rs 20,000 in a month, check whether you qualify for the 500 bonus Reward Points.
5. Use eligible fuel transactions to take advantage of the fuel surcharge waiver.
6. If you travel by train, check participating railway lounges before your journey.
7. Always pay your credit card bill on time to avoid interest and late payment charges.

AU Altura Plus Credit Card Application and Referral Offer

Share this deal with your friends and family: Eligible applicants can apply for the AU Bank Altura Plus Credit Card and potentially enjoy rewards, cashback, railway lounge access, and fuel savings.

According to the promotional information provided, a referral or activation incentive may be available to the referrer. However, this incentive is subject to specific tracking and eligibility conditions.

Important Referral Terms

• Tracking time: 72 hours after Application ID generation
• Confirmation timeline: Within 75 days of card activation
• Profit on applications through the AU Bank App: Not applicable
• Profit on referral earnings: Not applicable
• Existing AU Bank customers with savings accounts, current accounts, credit cards, loans, or FDs are not eligible for the stated profit
• A minimum transaction of Rs 100 within 30 days is mandatory to activate the card and qualify for the stated profit
• Applicants should use their Aadhaar-linked mobile number while filling out the application
• VKYC conducted more than 50 km from the Aadhaar/communication address may result in application rejection and loss of the stated profit

Important: Referral earnings and promotional incentives are separate from the credit card’s standard benefits. Check the latest campaign terms before relying on any referral income.

AU Altura Plus Credit Card – Is It Worth It?

The AU Altura Plus Credit Card can be an attractive option for eligible customers who want a combination of online retail rewards, offline POS cashback, railway lounge access, bonus reward points, and fuel surcharge savings.

The biggest advantages are the promotional Nil joining and annual fees, rewards on online retail spending, and 2 railway lounge visits per calendar quarter. However, the card has several caps, including the Rs 100 monthly cashback limit and Rs 150 monthly fuel surcharge waiver.

Overall, it may be worth considering if your spending pattern matches the card’s reward categories and you can make good use of railway lounge access. Before applying, compare the latest official fees, rewards, lounge rules, and eligibility conditions with other AU Bank credit cards.

Frequently Asked Questions – AU Altura Plus Credit Card

What are the benefits of AU Altura Plus Credit Card?

The main AU Altura Plus Credit Card benefits include 2 Reward Points per Rs 100 on online retail purchases, 1 Reward Point per Rs 100 on eligible utility, telecom and insurance spends, 1.5% cashback on eligible offline POS retail spends, complimentary railway lounge visits, monthly bonus Reward Points on qualifying retail spends, and a 1% fuel surcharge waiver.

What is the difference between Altura and Altura Plus?

The AU Altura and AU Altura Plus are different card variants, and their rewards, fees, cashback, lounge benefits, and eligibility criteria may differ. Customers should compare the latest official features and charges of both cards before choosing one.

What are the benefits of an AU credit card?

AU Bank credit card benefits vary by card. Depending on the variant, AU credit cards may offer rewards, cashback, fuel benefits, lounge access, travel privileges, and other lifestyle offers. The AU Altura Plus Credit Card, for example, focuses on online retail rewards, offline POS cashback, railway lounge access, and fuel surcharge savings.

Does AU Bank Altura credit card have lounge access?

The AU Altura Plus Credit Card offer information provided states that cardholders can enjoy 2 complimentary railway lounge visits every calendar quarter at select stations across India. This is railway lounge access rather than airport lounge access. Check the latest participating lounge list and terms before using the benefit.

Is AU Altura Plus Credit Card lifetime free?

The supplied offer states Nil joining and annual fees for a limited time. Therefore, customers should verify the latest offer terms to determine whether their specific application qualifies for a lifetime-free offer.

What is the AU Altura Plus Credit Card limit?

There is no single fixed credit limit for every cardholder. AU Bank determines the credit limit based on factors such as income, credit history, repayment record, credit score, and its internal assessment.

Can new-to-credit customers apply for AU Altura Plus Credit Card?

According to the eligibility information provided, new-to-credit applicants are not allowed. Applicants should have an established credit history and meet the bank’s eligibility requirements.

What is the AU Altura Plus Credit Card annual fee?

According to the promotional offer provided, the annual fee is Nil for a limited time. Since promotional fees can change, applicants should verify the annual fee applicable to their specific application before proceeding.

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