Altura Plus Credit Card: Best Credit Cards in India for 2022

The Altura Plus Credit Card, provided by Au Bank, is the best option for those who seek numerous advantages in a credit card. By using this card, you can get rewards, milestone gains, fuel surcharge waivers, and cashback. Interested? Read further to know everything about the Altura Plus Credit Card!

Slice Credit Card

What are the features and benefits?

This card offers a long list of advantages:

  • Welcome Offer
  • Cashback
  • Milestone Benefit
  • Rewards
  • Railway Lounges
  • Fuel Surcharge Waiver
  • AU Rewardz
  • Card Liability Cover
  • Contactless Card Usage
  • XpressEMI
  • Add-on Cards

Welcome Offer

Get vouchers worth Rs.500 on a minimum of Rs.10,000 retail spending done within 60 days of card setup. You can select your vouchers from a bouquet of leading brands.


Earn 1.5% Cashback on all POS retail expenses done at merchant outlets (Maximum cashback per statement cycle is Rs.100). Please note that you get 1 Reward Point per Rs.100 retail spends (except fuel) on POS, after you reach the highest cashback limit.

Milestone Benefit

Get additional benefits every month! You get 500 Bonus Reward Points when you accomplish Rs.20,000 retail expenses* or more in a calendar month.

*Note: Fuel transactions and Cash withdrawals are excluded from Bonus Reward Points spending calculation.


Gain 2X Reward Points ( 2 Reward Points per Rs.100 retail spend) for all your online transactions!

Railway Lounges

Get two complimentary lounge access per calendar quarter, using VISA Card at railway stations in these cities – New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, and Agra.

Add-on cardholders can also appreciate Railway lounge benefits within the mentioned complimentary number of visits.

Fuel Surcharge Waiver

1% Fuel Surcharge Waiver for fuel dealings accomplished between Rs.400 and Rs. 5,000 across all fuel stations in the country (Maximum Rs.150 per statement cycle).

AU Rewardz

Redeem your Reward Points with many options. Some of them are:

  • E-vouchers of top brands
  • Products
  • Mobile/DTH, recharges
  • Flight/Hotel bookings, and much more

Card Liability Cover

In the unfortunate event of the loss of your Credit Card, you carry zero penalties on any fraudulent transactions made with the card after reporting the loss to the bank.

Also, you are protected against Card Counterfeit/Skimming and Online fraud.

Contactless Card Usage

Operate your AU Bank Credit Card to make quick, secure & easy payments by just tapping the card, without entering your Credit Card PIN for payments up to Rs.5000.


Convert your transactions worth Rs.2,000 or more into easy EMI options on the select assignment of your choice. Simply call our Customer Care helpline to book your XpressEMI.

Add-on Cards

Propose your Altura Plus Credit Card benefits to your loved ones, through their Add-on card offering. 

What are the fees and taxes?

You can inspect the values in the table below:

Type of Fees / ChargesAmount 
Joining Fee Rs. 499 + Applicable Taxes
Annual Fee Rs. 499 + Applicable Taxes
Late Payment FeesFor Statement Balance:Less than or equal to Rs. 100: NilAbove Rs. 100 & up to Rs. 500: Rs. 100Above Rs. 500 & up to Rs. 5,000: Rs. 500Above Rs. 5,000 & up to Rs. 10,000: Rs. 700Above Rs. 10,000 & up to Rs. 20,000: Rs. 800Above Rs. 20,000 & up to Rs. 50,000: Rs. 900Above Rs. 50,000: Rs. 1,100

Slice Credit Card

How to apply?

Wish to apply for the Altura Plus Credit Card? Then, you must match the following criteria:

  • You are a resident of India,
  • You fall within the age bracket of 21-60 years,

In case you are applying as an add-on cardholder, you should be 18 years and above. 

Besides, you must present the following documents:

Proof of IdentityPAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI
Proof of AddressAadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement
Proof of IncomeLatest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement

Another alternative is going to the nearest bank branch and applying for the same. To get further assistance related to credit cards, you can call the bank’s toll-free number: 1800 1200 1200.