AU Altura Plus Credit Card: Benefits, Fees & Eligibility

The AU Altura Plus Credit Card is designed to give a wide array of benefits, so it’s quite a valuable financial tool for maximizing rewards and savings. Issued by AU Small Finance Bank, this credit card caters to those who seek convenience, enhanced purchasing power, and attractive perks.

The AU Altura Plus Credit Card offers numerous rewards that users benefit from on different daily expenditures made through groceries, dining, and travel. These points could be utilized for different services and products via this card, providing the rewards of a premium credit card account. Other than offering the reward, the card facilitates privileged offers of lounge access, coverage under insurance programs, and more special offers developed by collaborating brands.

This credit card is pretty basic, although still requires a minimum income and a good score to qualify. The card is highly valued, however, if used frequently and responsibly and comes with competitive fees. So, if you are in search of accruals on purchases or nice services then surely this AU Altura Plus Credit Card would be of some worth.

What is the AU Altura Plus Credit Card?

AU Altura Plus Credit Card is offered by the bank, and the customer will get a reward on every purchase for which one is making a credit transaction, and through it, there is a series of benefits given. There will be reward points that will help to earn against one’s daily expenses.

This, in turn, can be used on various products or services. These cards also boast special features for airport lounge privileges, insurance coverage, and specific discounts with different partners. As such, these cards are directed towards those consumers wishing to have add-on benefits which they will benefit both for cash flow management while building a very good credit standing.

How is the design of the AU Altura Plus Credit Card?

The AU Altura Plus Credit Card is designed to be trendy and modern with an elegant look. They are usually smooth, metallic in finish, and feature the AU Small Finance Bank logo displayed on the front.

This is a card that, in design, is visually beautiful and handy as it can easily fit in the wallet. A premium feel was used in designing the card by its advantages and features so that it’s not just a useful tool but also fashionable for the people who have this card.

What are the benefits of the AU Altura Plus Credit Card?

Some of the most important benefits are:

1. Reward Points: You get reward points for every purchase you make, like shopping, dining, and traveling. These reward points can be used to claim gifts, products, or even cash back. For instance, you earn 1 reward point for every ₹100 spent on regular purchases.

2. Airport Lounge Access: The card lets you have access to airport lounges for free. This is good for people who travel frequently and would want to find a comfortable place to relax before taking flights.

3. Insurance Coverage: It provides insurance coverage like accidental death cover, travel insurance, etc. So you get extra security while traveling or shopping.

4. Special Discount: Special discounts and offers at partner stores and online platforms save you a lot of money on many products and services.

5. Contactless payments- You pay quickly, and in a secure way through a single tap at shops or online using the card.

What are the fees for the AU Altura Plus Credit Card?

Here is a simple breakup of the AU Altura Plus Credit Card fees.

Joining Fee	₹499 + GST (one-time fee when you get the card).
Annual Fee	₹499 + GST per year. This will be waived if you spend ₹1,00,000 or more in a year.
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.49% per month (41% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹100, whichever is higher.
Late Payment Fee	For 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

What are the criteria for getting an AU Altura Plus Credit Card?

The following are the primary requirements:

1. To apply for the AU Altura Plus Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs.1 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for AU Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.

5. You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What are the necessary documents required to get an AU Altura Plus Credit Card?

The documents that you will have to submit to get an Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, ancient agreements, Bankstatementst, passbooks with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the AU Altura Plus Credit Card be used?

Here is the list of places where you can use it:

• With Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your AU Altura Plus Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The AU Altura Plus Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the AU Altura Plus Credit Card?

The credit amount you can spend is what you are provided with an Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an AU Altura Plus Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the AU Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by AU Bank; for instance, you can choose the Credit Card.

• Just hover your cursor on the Credit Card, followed by selecting ‘Apply Now’ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest AU Bank branch to apply for the Credit Card.

• Request for the credit card application form of the Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the AU Altura Plus Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the AU Bank Card website, or mobile app or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Will it be right to get an AU Altura Plus Credit Card in 2025?

Yes, getting an AU Altura Plus Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

AU Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

This means that the AU Altura Plus Credit Card is a well-rewarded financial product for those who want to enjoy the fruits of their everyday purchases. One can find the vast rewards worthwhile with its valuable points for every purchase made, redeemable for very different items and services.

Other benefits such as access to lounges in airports, insurance coverage, and special discounts make it attractive to those who are frequent travelers or frequent shoppers. The card has a modern design and slick features from contactless payments.

Whether it is rewards, premium services, or savings through exclusive discounts, this credit card serves on more than one front. With easy qualification and reasonable fees, the AU Altura Plus Credit Card is perfect for those interested in maximizing the spending benefits they reap from a credit card. To visit my youtube videos.

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