The AU Altura Plus Credit Card comes with a range of benefits that make it a great choice. You can earn rewards, cashbacks, and reach milestones that unlock even more perks. The card offers a luxurious experience with plenty of options for redeeming your reward points. With the AU Altura Plus Credit Card, you can earn rewards as you spend. These rewards can be in the form of cashbacks, where you get a percentage of your purchases back as a refund. You earn reward points for every eligible purchase you make.

When you reach certain spending thresholds or milestones, you’ll also receive extra benefits. These could include additional reward points, cashbacks, or exclusive offers. It’s a great way to make your credit card experience even more rewarding. The reward points you accumulate can be redeemed in various ways. You can use them for travel bookings, get merchandise, gift cards, or even apply them as statement credits towards your balance. There are plenty of options to choose from, allowing you to enjoy the rewards that suit you best.


Vouchers: As a new cardholder, you can earn INR 500 worth of vouchers by spending a minimum of INR 10,000 on retail purchases within 60 days of getting your card. You can choose from a variety of popular brands for your vouchers.

Cashback: For all your retail purchases at merchant outlets, you’ll receive 1.5% cashback. The maximum cashback you can earn per statement cycle is INR 100. You’ll also earn 1 reward point for every INR 100 spent (excluding fuel) once you reach the maximum cashback limit.

Reward Points: You’ll earn double the reward points (2 points for every INR 100 spent) for online transactions. For utility bills, rent payments, insurance, education expenses, and government category spends, you’ll earn 1 reward point for every INR 100 spent.

Milestone Benefit: When you spend INR 20,000 or more on retail purchases in a month, you’ll receive an additional 500 bonus reward points.

Railway Lounges: With your Visa Card, you can enjoy 2 complimentary lounge accesses per calendar quarter at railway stations. This benefit is also available to add-on cardholders.

Fuel Surcharge Waiver: You’ll receive a 1% fuel surcharge waiver on fuel transactions ranging from INR 400 to INR 5,000. The maximum waiver per statement cycle is INR 150.

AU Rewardz: You can redeem your reward points for various options, including e-vouchers for top brands, merchandise, mobile/DTH recharges, and flight/hotel bookings.

Card Liability Cover: If you lose your credit card, you won’t be held liable for any fraudulent transactions after reporting the loss to the bank. You’re also protected against card counterfeit/skimming and online frauds.

Contactless Card Usage: You can make quick, secure, and easy payments by tapping your AU Credit Card at participating merchants, without needing to enter a PIN, for transactions up to INR 5000.

XpressEMI: Transactions of INR 2,000 or more can be converted into easy EMI options of your choice. Just contact the Customer Care helpline to book your XpressEMI.

Add-on Cards: You can share the benefits of your Altura Plus Credit Card with your loved ones by adding them as authorized users. The add-on card comes free for a lifetime.


Annual Card Membership Fee: The card comes with an annual membership fee of Rs. 499 plus applicable taxes. This fee is charged each year for maintaining your card account.

First Year Fee Waiver: To avoid paying the membership fee in the first year, you need to make retail purchases worth Rs. 20,000 within 90 days of receiving your card. If you reach this spending threshold, you won’t be charged the annual fee for the first year.

Fee Waiver from the Second Year Onwards: Starting from the second year, you can have the annual fee waived if you spend Rs. 80,000 or more on retail purchases during the previous year before your card anniversary. This means that if your total retail spending hits or exceeds Rs. 80,000 within that year, you won’t have to pay the annual fee for the following year.


Eligibility Criteria for Primary Cardholders:

Age: As a primary cardholder, you should be between 21 and 60 years old. This ensures that you are of legal age and within the typical working age range.

Citizenship: You must be a resident Indian, which means you should be an Indian citizen and live in India.

Eligibility Criteria for Add-on Cardholders:

Age: Add-on cardholders should be at least 18 years old. This ensures that they are legally adults and can be held responsible for any transactions made using the add-on credit card.

Relationship to the Primary Cardholder: Add-on cards are typically issued to family members or close relatives of the primary cardholder. This includes spouses, parents, siblings, or children. The primary cardholder is responsible for any debts or liabilities incurred on the add-on card.

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