{"id":86121,"date":"2026-04-07T17:29:11","date_gmt":"2026-04-07T11:59:11","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=86121"},"modified":"2026-04-07T17:30:40","modified_gmt":"2026-04-07T12:00:40","slug":"au-altura-plus-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/au-altura-plus-credit-card\/","title":{"rendered":"AU Altura Plus Credit Card Benefits: A Detailed Review"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Comes with an annual membership fee of \u20b9499 +GST.<\/li>\n\n\n\n<li>Provides 500 reward points on monthly retail spends of \u20b920,000 or more.<\/li>\n\n\n\n<li>Get 1.5% cashback on offline spends.<\/li>\n\n\n\n<li>Offers a fuel surcharge waiver of 1% (up to \u20b9150 per transaction).<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The AU Altura Plus Credit Card is an entry-level rewards card designed for everyday spending. From online shopping to travel-related expenses, it lets you earn reward points, cashback benefits, railway lounge access and fuel surcharge waivers along the way.<\/p>\n\n\n\n<p>All of these benefits come together to offer better value for money, especially since the card comes with affordable annual fees and milestone bonuses. Read on to know more about it.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#au-altura-plus-credit-card-reward-structure\">AU Altura Plus Credit Card Reward Structure\u00a0<\/a><\/li><li><a href=\"#au-altura-plus-credit-card-benefits\">AU Altura Plus Credit Card Benefits<\/a><\/li><li><a href=\"#fees-and-charges-of-the-au-altura-plus-credit-card\">Fees and Charges of the AU Altura Plus Credit Card<\/a><\/li><li><a href=\"#au-altura-plus-credit-card-eligibility-criteria\">AU Altura Plus Credit Card Eligibility Criteria<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"au-altura-plus-credit-card-reward-structure\"><strong>AU Altura Plus Credit Card Reward Structure&nbsp;<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Altura-Plus-Rewards-1024x683.png\" alt=\"AU Altura Plus Credit Card Rewards\" class=\"wp-image-86123\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Altura-Plus-Rewards-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Altura-Plus-Rewards-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Altura-Plus-Rewards-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Altura-Plus-Rewards-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-Altura-Plus-Rewards.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get 2X reward points on online spends.&nbsp;<\/li>\n\n\n\n<li>Avail 1 reward point for every \u20b9100 on offline spends.<\/li>\n\n\n\n<li>Get a 500 bonus reward points on retail spends worth \u20b920,000 or more in a calendar month.<\/li>\n\n\n\n<li>Get 1 reward point for every \u20b9100 spent on Utility, Telecom and Insurance category spends.<\/li>\n\n\n\n<li>Get 1 reward point for every \u20b9100 retail spend (except fuel) on POS, after reaching the maximum cashback limit.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"au-altura-plus-credit-card-benefits\"><strong>AU Altura Plus Credit Card Benefits<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Shop and earn a cashback of 1.5% on offline spends.<\/li>\n\n\n\n<li>Get easy EMI options available on transactions of \u20b92,000 or more on select tenures of your choice.<\/li>\n\n\n\n<li>Get 8 complimentary railway lounge access every year.<\/li>\n\n\n\n<li>Avail 1% <a href=\"https:\/\/www.icici.bank.in\/personal-banking\/blogs\/card\/credit-card\/what-is-fuel-surcharge-waiver-in-credit-card\" target=\"_blank\" rel=\"noopener\">fuel surcharge waiver<\/a> of up to \u20b9150 for every transaction made between \u20b9400 and \u20b95,000 at all fuel stations across the country.<\/li>\n\n\n\n<li>Make pin-free payments at the participating merchants for amounts up to \u20b95,000.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fees-and-charges-of-the-au-altura-plus-credit-card\"><strong>Fees and Charges of the AU Altura Plus Credit Card<\/strong><\/h2>\n\n\n\n<p>The AU Altura Plus Credit Card annual fee is \u20b9499 + GST. Cardholders can get a 1st-year fee waiver on a minimum retail spend of \u20b9 20,000 within 90 days of setting up the card.&nbsp;<\/p>\n\n\n\n<p>For the 2nd year onwards fee waiver, cardholders need to do \u20b980,000 retail spends in the previous anniversary year.<\/p>\n\n\n\n<p>The table below outlines other applicable charges.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Duplicate Statement Fee<\/td><td>\u20b9100<\/td><\/tr><tr><td>Outstation Cheque Processing Fee<\/td><td>\u20b925<\/td><\/tr><tr><td>Payment Return Charges<\/td><td>2% or min. \u20b9500<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5% or min. \u20b9500<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>15% of the due amount (Min. \u20b910 and max. \u20b91,300)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Skip the hassle of late fees and pay your credit card bills securely with <a href=\"https:\/\/piceapp.com\/\">the Pice App<\/a>. Track due dates and manage multiple cards, all in one place. Get the app today!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"au-altura-plus-credit-card-eligibility-criteria\"><strong>AU Altura Plus Credit Card Eligibility Criteria<\/strong><\/h2>\n\n\n\n<p>To apply for the AU Altura Plus Credit Card, applicants must meet certain basic eligibility requirements. Self-employed individuals should be between 25 and 65 years of age, while salaried applicants must be between 21 and 60 years. <\/p>\n\n\n\n<p>Add-on cardholders need to be at least 18 years old. In addition, all applicants must be permanent residents of India.<\/p>\n\n\n\n<p><strong>Note<\/strong>: The criteria mentioned above are subject to change at any point in time at the sole discretion of the bank.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"footnote\"><strong>Footnote<\/strong><\/h3>\n\n\n\n<p>Get an extended warranty on mobile and electronic purchases made with the card.<\/p>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1775562342064\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the general exclusions of card liability coverage of the AU Altura Plus Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The general exclusions of the AU Altura Plus Credit Card liability coverage are gross negligence and any loss or damage arising from terrorist activity. Furthermore, the card should be active for it to be eligible for a card liability cover.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775562366224\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How long can one stay at a railway lounge using the complimentary access of an AU Altura Plus Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Cardholders are allowed to stay up to 2 hours per visit at participating railway lounges.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775562380732\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Which expenses are not calculated for the milestone benefit offering of the AU Altura Plus Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Fuel transactions and cash withdrawals are all excluded from the bonus reward points spent calculation for the milestone benefit.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The AU Altura Plus Credit Card is an entry-level rewards card designed for everyday spending. From online shopping to travel-related expenses, it lets you earn reward points, cashback benefits, railway lounge access and fuel surcharge waivers along the way. All of these benefits come together to offer better value for money, especially since [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":86122,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-86121","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86121","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=86121"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86121\/revisions"}],"predecessor-version":[{"id":86135,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86121\/revisions\/86135"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/86122"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=86121"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=86121"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=86121"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}