AU Small Bank Altura Plus Credit Card Review 2021 | AU Bank Altura Plus Credit Card Benefits

Altura Plus Credit Card is a low-cost Visa Credit Card from AU Small Finance Bank. It. Comes with a number of amazing features and benefits like railway lounge access, lost card liability coverage, annual and renewal fee waiver, EMI facility, etc. Also with this card, you can earn both cashback and reward points from your retail transactions. Now let’s see how beneficial the card is. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs.
    • Income: Above ₹3 lakh annually (approx).
  • ]For self-employed person:
    • Age: 21 to 60 yrs.
    • Income: Above ₹3 lakh annually (approx).
  • Good CIBIL score. (750 or more)
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      •  Salary Slip of the last 3 months 
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹499 + GST (Will be waived off on spending ₹20,000 within first 90 days of card activation)
  • Annual Fee: ₹499 + GST (Will be waived off on spending ₹80,000 in a year)


  • Welcome Benefit:

If you spend ₹10,000 within the first 60 days of the card activation. You will get a gift voucher of ₹500 as a welcome gift. You can choose your voucher from a catalog of top brands. 

  • Cashback:

With this card, you will get 1.5% cashback on all POS transactions made at retail outlets (except on fuel). You can earn a maximum of ₹100 cashback in a credit cycle. 

  Once you reach the maximum cashback limit, you will get 1 reward point per each ₹100 spent on retail transactions except on fuel. 

  • Reward Point:

You can earn 2 reward points for each ₹100 online transactions. There is no limit on earning reward points. 

You can also use your earned reward points to buy some special merchandise or e-vouchers or to make DTH/mobile recharges, flight/hotel booking, etc.

  • Railway Lounge Access:

With this card, you will enjoy 2 free accesses per quarter to some of the selected domestic railway lounges. This offer is applicable at Ahmedabad, Madurai, Agra, Jaipur, Kolkata (Sealdah), and New Delhi. 

  • Fuel Surcharge Waiver: 

This card offers a 1% waiver on fuel surcharges. This offer is applicable at all fuel stations in India. The transaction amount should be between ₹400 and ₹5,000. 

  • Lost Card Liability:

AU Bank offers zero liability against lost or stolen cards. This feature gives you coverage against all kinds of online frauds and skimming. 

  The zero liability coverage applies after reporting the loss.

  • Milestone Benefit:

You can earn some extra reward points monthly. If you can spend ₹20,000 in a month you will get 500 bonus reward points.

You can also get a waiver on your annual and renewal fees.

 If you can spend ₹20,000 within the first 90 days of activation you will get a 100% waiver on the 1st year annual fee.

From the second year onwards you have to spend ₹80,000 in a year to get the waiver.  

  • EMI Facility:

With an Altura credit card, you will have the freedom to convert your high-value purchases into EMI and pay them back in easy monthly installments. 

  • Add-on Card  Facility:

With the Add-on facility, you can share the benefits of your card with your loved ones. Just add them with your card as an add-on member and they can enjoy the benefits of having a credit card.  The add-on member should be at least 18 years old. 

  • Contactless Payment:

This card has an advanced contactless payment facility. It allows you to pay with just a wave at any secure reader machine. It also minimizes the risk of card misplacement. 

  • Global Acceptance:

This card is powered by Visa which makes it globally acceptable. You can use this card at any outlet or e-commerce site where Visa cards are accepted.


  • Cash Withdrawal Charge: 2.5% against the transaction amount, minimum ₹100.
  • Finance Charge: 3.49% monthly or 41.88% annually.
  • Foreign currency transaction: 3.49% monthly.

Contact Details:

Call: 1800-1200-1500


100XGain Ratings:


Final Opinion:

After analyzing the details of the card I can say that this card can be a good option for those who want a low-cost credit card for their daily uses. You can also earn some good rewards and cashback from your spending. It also offers some useful features like EMI finance, an Add-on card option, Zero liability on a lost or stolen card, a contactless payment facility, etc. So if you are looking for a low-cost credit card then you can go for it. 

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