AU Altura Plus Credit Card
The core volume driver across AU Bank’s urban branch network, the Altura Plus card operates on a hybrid reward mechanism. It delivers direct 1.5% cashback on point-of-sale card swipes in physical stores alongside double reward points on online shopping, backed by 8 annual executive railway lounge visits.
Why We Recommend The AU Altura Plus Credit Card
A core volume driver for AU Bank among mid-income urban households and first-time credit card adopters.
Everyday consumers balancing offline store swipes with standard online shopping.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the AU Altura Plus Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 (Reward Points) / ₹1.00 (Cashback) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for AU Altura Plus Credit Card
Zero hidden costs. Complete fee schedule verified with AU Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the AU Altura Plus Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
8 complimentary railway lounge visits per calendar year (max 2 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes AU Altura Plus Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Hybrid rewards: direct cashback on offline retail swipes + reward points on online shopping.
500 bonus reward points on achieving monthly retail spends of ₹20,000.
8 complimentary railway lounge visits annually across major Indian stations.
Pros & Cons of the AU Altura Plus Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Accessible entry-level pricing with easy waiver threshold (₹80,000).
- Hybrid model gives the certainty of cash back plus rewards flexibility.
- Includes Indian Railways executive lounge access.
Things to Consider (Cons)
- Monthly POS cashback is strictly capped at ₹100 per cycle.
- No airport lounge privileges (railway lounges only).
- Online reward point rate remains modest (0.50%).
Who Can Apply for the AU Altura Plus Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
710+ Score Recommended
Applicants with a credit score of 710 or higher enjoy fast-tracked approval and preferential credit limits from AU Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About AU Altura Plus Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the AU Altura Plus Credit Card?
Check your pre-approved credit limit and instant approval eligibility across AU Bank with 100% paperless verification and zero score impact.