Key Highlights of AU Bank Altura Plus Credit Card

Following are the key highlights of the AU Bank Altura Plus Credit Card:

Annual card membership feeRs. 499 + applicable taxes
EMI conversion facilityAvailable on transactions above Rs. 2,000
Suitable forCashback & rewards
Age21 to 60 years

AU Bank Credit Card Offer

Features and Benefits of AU Bank Altura Plus Credit Card

Offers for First-Time Card Holders

  • Vouchers of top brands worth Rs. 500.
  • The offer is valid on retail spends of at least Rs. 10,000 within 60 days of card setup.


  • 1.5% cashback on all POS retail spends at merchant outlets. 
  • Maximum cashback available up to Rs. 100 per statement cycle.
  • You get 1 reward point on every Rs. 100 retail spends (except fuel) on POS after your reach the maximum cashback limit.

Rewards Points

  • 2X reward points on spending every Rs. 100 on all online retail transactions.
  • 1 reward point on spending every Rs. 100 on utility, insurance, rent, education, and government categories.

Milestone Benefits

  • Get 500 bonus reward points on spending Rs. 20,000 or more on retail in a calendar month.
  • Fuel transactions and cash withdrawals are excluded from bonus reward points calculation.

Complimentary Railway Lounge Access

  • 2 complimentary lounge access per calendar quarter with VISA cards at railway stations in New Delhi, Kolkata (Sealdah), Ahmedabad, Jaipur, and Agra. 
  • This benefit is also available to add-on cardholders.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver. 
  • Offer applicable for fuel transactions between Rs. 400 to Rs. 5,000 per statement cycle across all fuel stations in India.
  • The maximum benefit available is Rs. 150 per statement cycle.

Comprehensive Protection Cover

  • Credit Liability Cover in case of credit card loss. No liability for any fraudulent transactions made with the card after you report the loss to the bank.
  • Cover for card counterfeit/ skimming and online frauds.

Contactless Card Usage

Use your card to make quick, secure and easy payments by just tapping the Altura Plus card and paying at participating merchants without the credit card PIN for amounts up to Rs. 5,000.


  • Convert any transactions of Rs. 2,000 or more into easy EMI options on the select tenure of your choice. 

Annual Card Membership Fee 

  • Joining fee: Rs. 499 + applicable taxes. Waived on retail spends of Rs. 20,000 done within 90 days of card set up.
  • Annual fee: Rs. 499 + applicable taxes. Waived on retail spends of Rs. 80,000 done in the previous card anniversary year.

Additional Read: AU Bank Credit Card Application Status

AU Bank Altura Plus Credit Card Fees & Charges

Following are the fees and charges associated with AU Small Finance Bank Altura Plus Credit Card:

  • Annual membership fee: Rs. 2,999 + applicable taxes. 
  • Cash advance fee: 2.5% (minimum Rs. 100).
  • Charges on revolving credit: 3.59% per month (43.08% annually). 
  • Foreign currency transactions: 3.49%.
  • Overlimit charges: 2.5% of over limit amount (minimum Rs. 500).
  • Late payment charges: Rs. 0 to Rs. 1,100.
  • Loan processing fee 1% (minimum Rs. 500). 
  • Loan preclosure charge: 3% of the outstanding principal.
  • Balance Transfer on EMI processing charges: 1% of the transfer amount (minimum Rs. 250).
  • EMI conversion charges: 1% (minimum Rs. 99 + GST) for Xpress EMI & Rs. 199 + GST for Instant EMI.
  • Cheque, ECS/NACH, Autopay return charges: Rs. 500.
  • Card validation charges (lounges): Rs. 2.
  • Reissuance of lost/ stolen/ damaged card: Rs. 100.
  • Duplicated physical statement request charges: Rs. 100.
  • Outstation cheque processing charges: Rs. 25.
  • Goods and Services Tax (GST): 18% GST is applicable on all above-mentioned fees, interest & charges.

AU Bank Altura Plus Credit Card Eligibility

You have to meet the following AU Bank Credit Card Eligibility criteria to apply for this credit card

  • The minimum age of the primary cardholder must be 21 years, and a maximum of up to 60 years.
  • The minimum age of the add-on cardholder should be more than 18 years.
  • The applicant should be a resident of India.

The criteria are only indicative. AU Bank reserves the right to approve or decline credit card applications.

Also Read: AU Net Banking

AU Bank Altura Plus Credit Card Documents Required

If you want to apply for an Altura Plus credit card, you will be required to submit the following documents:

  • Identity proof: Passport, Driving License, Aadhaar Card, etc.
  • Address proof: Passport, Voter ID, Aadhaar Card, Utility Bills, Ration Card, etc.
  • Income proof: Recent Salary Slips, Form 16 and Income Tax Returns.

How to Apply for AU Bank Altura Plus Credit Card?

  • Click on the ‘Credit Cards’ on the homepage of our website.
  • From the dropdown menu, choose ‘AU’ and then click on the ‘Apply Now’ button.
  • Enter all the required details including your name, mobile number, email address, employment information, income details, and so on
  • Verify your mobile number with an OTP.
  • You will get a call from our credit cards expert soon to help you complete the credit card application process.

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AU Bank Altura Plus Credit Card FAQs

What are the different modes of Altura Plus credit card bill payment?

  • AU Small Finance Bank accountholders can pay via Internet Banking, Mobile Banking, ATMs, or Standing Instruction (such as Autopay). 
  • Non-AU Small Finance Bank account holders can pay through the Bill Desk facility with other banks’ Net Banking account/ NEFT from other bank accounts (with IFSC code AUBL0CCARDS). 
  • You can also drop cheques/drafts into any of the AU Small Finance Bank Credit Card drop boxes placed in the branches of AU Bank or make cash payments at the bank branches. 

How to contact Altura Plus credit card customer care?


You can contact the AU Bank Customer Care team through any of the following ways: 

  • Call on 24X7 call centre at 1800 1200 1500.  
  • Sent email ID to creditcard.support@aubank.in. 
  • Mail to AU Small Finance Bank, Credit Card Division, Third Floor Hall C, Sunny Junction STC, New Atish Market, Jaipur, Rajasthan - 302020

What are the joining fee and annual fee for Altura Plus?


The joining and annual fees for an AU Altura Plus credit card are Rs. 499 + applicable taxes.

Can the annual fee on the Altura Plus card be waived?


Yes, the first annual card fee can be waived if you make Rs. 20,000 retail spending within 90 days of card set up and for the second year onwards waiver, you must make Rs. 80,000 retail spending in the previous card anniversary year.

Can NRIs apply for an AU Altura Plus card?


No. This card is available for Indian residents only.