AU Altura Plus Credit Card: Fees, Rewards & Benefits
Online Shopping card
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AU Altura Plus is an entry-level online-shopping card with a no-joining-fee structure and an easy Rs. 80,000 fee waiver. The Rs. 0.25 point value and railway-only lounges keep it modest, so it suits budget online shoppers who hit the Rs. 20,000 monthly bonus rather than anyone seeking premium value.
Online Shopping card
The Bottom Line
The AU Altura Plus is built for online shopper on a budget and moderate monthly spender. With a ₹499 annual fee that is waived on ₹80,000 yearly spend, it offers 0.5% rewards on online and railway lounge access. It makes the most sense if your spending matches online shopper on a budget and moderate monthly spender.
It earns a base reward rate of 0.25% and stacks best when your spending lines up with Online shopper on a budget, Moderate monthly spender. The renewal fee gets easier to justify once you can hit ₹80,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealSomeone wanting 2x points on online spends with no joining fee and an achievable Rs. 80,000 fee waiver.
A user who spends Rs. 20,000/month to capture the recurring 500-point bonus plus offline cashback.
Probably not for
SkipWith no airport lounge access and low point value, it offers little beyond modest online rewards.
The 3.49% forex markup undermines any overseas use.
Is It Worth It For You?
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Reward Rates
AU Altura Plus offers 0.25% basic reward rate.
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Welcome Offer
First-year annual fee (Rs. 499 + GST) waived on retail spends of Rs. 20,000 within 90 days of card setup.
Milestone Benefits
500 bonus Reward Points on achieving retail spends of Rs. 20,000 in a calendar month.
Renewal/annual fee waiver on retail spends of Rs. 80,000 in the previous card-anniversary year.
Fees & Charges
Eligibility
- Min Income: ₹5 Lakhs
- Min Credit Score: 750
- Resident Indian aged 21-60 (salaried) or 25-65 (self-employed); min monthly income Rs 15K or annual Rs 2.5L (salaried); CIBIL 750+.
Exclusions & Terms
Forex markup
- Foreign currency markup
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹499 annual fee. Apply on the AU Small Finance Bank website.
Apply on AU Small Finance Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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