AU Bank offers different credit cards as per the varied needs of the customers. AU Bank came up with a really great initiative to offer upgraded credit cards not only to AU Bank customers but to others as well. The card issuer has launched the SwipeUp platform, where you can get upgraded credit cards with a better credit limit, better rewards, and more benefits. Some of the Au Bank credit cards are the AU Bank Vetta Credit Card, AU Zenith Credit Card, AU Altura Credit Card etc. In this article, we will discuss about AU Altura Plus Credit Card.

Key Highlights of AU Altura Plus Credit Card
Annual Fee*	INR 499 + applicable taxes
Welcome Benefit	Vouchers worth INR500 on a minimum INR 10,000 retail spend done within 60 days of card setup.
Suitable For	Shopping  and  Rewards

Features and Benefits

Mentioned below are the features and benefits of the AU Bank Credit Card:

A. Welcome Benefits:

• Get gift vouchers worth INR 500 from many different brands on INR 10000 or more spent within the first 60 days from the date of activation of the card.

B. Milestone Benefits:

• Get 500 bonus reward points for achieving the milestone spend of INR 20,000 in a calendar month.

C. Travel Benefits:

• Get 2 complimentary railway lounges access every quarter.

• This facility can be availed at Kolkata, Ahmedabad, Jaipur, New Delhi, Madurai, and Agra.

• Both the primary and add-on cardholders can avail of the benefits.

D. Fuel Surcharge Waiver:

• Get a fuel surcharge waiver of 1% at all fuel stations between INR 400 and INR 5000 capped at INR 150 per statement cycle.

E. Spend-Based Waiver: 

• The joining fee of INR 499 gets waived when INR 20,000 is spent within the first 30 days of the date of card set-up.

• The renewal fees can also be waived if INR 80,000 is spent in the previous anniversary year. 

F. 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

G. Card Liability Cover:

• Get zero liability on any fraudulent transactions made with the card after reporting loss to the bank in an unfortunate event of loss of credit card. 

• Get protection against card counterfeit/ skimming and online fraud.

H. Contactless Card Usage:

• Make quick, secure, and easy payments at just a tap of the card and pay at participating merchants without any need to enter a PIN for amounts up to INR 5000.

I. XpressEMI: 

• Convert the transactions worth INR 2000 or more into easy EMI options on select tenure by simply calling the Customer Care helpline to get the same booked.

J. Add-on Cards:

• With the help of Add-on cards, one can share the offerings of the primary card with loved ones, and that too free for a lifetime.

Rewards and Cashbacks

• Get a cashback of 1.5% on POS retail transactions at merchant outlets.
• The maximum cashback per statement cycle is capped at INR 100.
• Earn 1 Reward Point on every INR 100 on POS retail purchases after reaching the maximum limit of cashback.
• Earn 2x Reward Points on online transactions.
• There is no maximum cap on reward points.
• There are no reward points/cashback on fuel transactions.

Rewards Redemption

The reward points earned can be redeemed against multiple categories like flight or hotel bookings, DTH or mobile recharges, merchandise, gift vouchers, etc. Here, 1 Reward Point = Re. 0.25.

Fees and Charges of AU Altura Plus Credit Card

Mentioned below are the processing fees to apply for AU Altura Plus Credit Card:

Type of Fees / Charges	Amount
Joining Fee	INR 499 + Applicable Taxes
Annual Fee	INR 499 + Applicable Taxes
Annual Card Fee Waiver for the 1st Year	Spend ₹20000 within 90 days from the date of card issuance
Annual Card Fee Waiver for the 2nd Year	Spend ₹80000 in the previous Card Anniversary Year
Late Payment Fees	For Statement Balance: Less than or equal to INR 100: Nil Above INR 100 & up to INR 500: INR 100 Above INR 500 & up to INR 5,000: INR 500 Above INR 5,000 & up to INR 10,000: INR 700 Above INR 10,000 & up to INR 20,000: INR 800 Above INR 20,000 & up to INR 50,000: INR 900 Above INR 50,000: INR 1,100
Rewards Redemption Fee	NIL

Eligibility Criteria

Mentioned below are the eligibility criteria to apply for Altura Plus Credit Card: 

• The minimum age of an applicant should be 21 years in the case of a primary cardholder.
• The maximum age of an applicant should be 60 years in the case of a primary cardholder.
• The age of the secondary cardholder is 18 years.
• The applicant should be an Indian resident.

Documents Required

Mentioned below is the list of documents required to apply for AU Altura Plus Credit Card:

Title	Details
Proof of Identity	PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI, or any other government-approved photo ID proof
Proof of Address	Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof
Proof of Income	Latest one or 2 salary slips (not more than 3 months old), the Latest Form 16, Last 3 months’ bank statement

How to Apply for an AU Altura Plus Credit Card?

Mentioned below are the steps to apply for an AU Altura Plus Credit Card:

Step 1: Visit the official website of AU Bank i.e. https://www.aubank.in/

Step 2: Under “Cards”, click on “Credit Cards”.

Step 3: Select “AU Altura Plus Credit Card” and click on “View Details”.

Step 4: Now click on “Apply Now”.

Step 5: Enter the mobile number and verify the same using an OTP.

Step 6: Click on “Submit” to proceed further with the application.