DOUBLE THE DELIGHT, DOUBLE THE REWARDS

Altura Plus Credit Card

DOUBLE THE DELIGHT, DOUBLE THE REWARDS

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Say hello to personalisation Features and Benefits

Cashback Features

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

 

 Reward Points

 

-2X Reward Points (i.e. 2 Reward Points per INR 100 retail spends) for all your online transactions.

-1 Reward Point per INR 100 spend on Utility & Telecom and Insurance category spends.

 

Note: Cash, Rent, Education & Govt, EMI, Fuel, BBPS and Quasi Cash transactions are not eligible for Reward Points and cardholders will earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends.

Milestone Benefit

Get additional benefit every month! You get 500 Bonus Reward Points when you do INR 20,000 retail spends* or more in a calendar month.

 

*Note: Fuel transactions and Cash withdrawal are excluded from Bonus Reward Points spends calculation.

 

Railway Lounges

2 complimentary lounge access per calendar quarter, using AU Credit Card at railway stations. For list of lounges and terms & conditions, click here

Add-on cardholders can also enjoy these Railway lounge benefits within the mentioned complimentary number of visits. Please click here to view details.

         

Fuel Surcharge Waiver

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

AU Rewardz 

Get a plethora of options to redeem your Reward Points for amazing benefits. Some of them are:

- E-vouchers of top brands

- Merchandise

- Mobile/DTH recharges

- Flight/Hotel bookings and much more

Click Here to explore our AU Rewardz offerings.

 

Card Liability Cover 

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

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

 Please click here to view detailed terms and conditions.

Contactless Card Usage 

Use your AU Credit Card to make quick, secure & easy payments by just tapping the card and paying at participating merchants without entering Credit Card PIN for amounts up to INR 5000.

XpressEMI 

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

 

Add-on Cards 

Offer your Altura Plus Credit Card benefits to your loved ones, through our Add on card offering. What's more? Your Add on card comes free for lifetime! So, go ahead and avail it.

 

Fees & Charges of AU Altura Plus Credit Card

Types of Fees / Charges	Amount
Cash Advance Limit	20% of the credit limit
Annual/Renewal Fee	499+ applicable taxes
Charges on Revolving Credit	3.49% per month (41.88% annually)
Cash Advance Charges	2.5% of amount withdrawn, subject to a minimum of `100
Late Payment Charges	Total Amount Due/ Statement Balance - Late Payment Charges
	Less than or equal to INR 100 - Nil
	Above INR 100 and up to INR 500 - INR 100
	Above INR 500 and up to INR 5,000 - INR 500
	Above INR 5,000 and up to INR 10,000 - INR 700
	Above INR 10,000 and up to INR 20,000 - INR 800