The AU Altura Plus Credit Card is a premium offering designed to reward both shopping and travel activities. Primarily aimed at shoppers, it offers a 1.5% cashback on POS retail transactions and doubles the rewards for online purchases. The card enhances your travel experience by offering two complimentary railway lounge accesses every quarter and a 1% fuel surcharge waiver. With a reasonable annual fee of INR 499, this card offers a welcome benefit of vouchers worth INR 500 on spending INR 10,000 within the first 60 days. Overall, the AU Altura Plus Credit Card serves as a comprehensive financial tool that merges cashback, rewards, and lounge benefits.
🎯 Key Highlights
✔ 1.5% Cashback on Retail Spends
✔ 2X Reward Points on Online Shopping
✔ Unlimited Reward Points (No Capping!)
✔ Complimentary Railway Lounge Access
✔ Fuel Surcharge Waiver (1%)
✔ Low Fees & Spend-Based Waiver
💳 Card Snapshot
| Feature | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST (Waived on ₹50K spend/year) |
| Best For | Shopping, Online Spends, Travel |
| Reward Rate | 1.5% Cashback (Retail) + 2X Points (Online) |
| Reward Redemption | 1 RP = ₹0.25 (Via AU Rewardz) |
| Lounge Access | 2 Visits/Quarter (Railway Lounges) |
🔥 Top Benefits
💰 Rewards & Cashback
- 1.5% Cashback on all retail POS transactions (Max ₹100/month).
- 2X Reward Points on online shopping (Unlimited earnings!).
- 500 Bonus Points on spending ₹20,000/month.
🚆 Travel Perks
- Free railway lounge access (2x per quarter) at major stations like Delhi, Mumbai, Kolkata & more.
⛽ Fuel Savings
- 1% Surcharge Waiver on fuel spends between ₹400–₹5,000 (Max ₹150/month).
💸 Fee Waiver
- Annual fee waived if you spend ₹50,000/year.
📌 Eligibility for AU Altura Plus Credit Card
✔ Age: 21-60 years (Primary), 18+ (Add-on)
✔ Residency: Indian Residents Only
🌟 Why Choose This Card?
✅ Best for shoppers & online spenders
✅ Great rewards with no upper limit
✅ Travel benefits with lounge access
✅ Low-cost premium card
📊 Verdict: 4.5/5 ⭐⭐⭐⭐½
“A fantastic budget-friendly card for cashback, rewards, and travel perks!”
🚀 Apply Now & Start Earning!
❓ FAQs for AU Altura Plus Credit Card
Q: How to redeem reward points?
→ Redeem via AU Rewardz for vouchers, flights, recharges & more.
Q: Is there a joining fee waiver?
→ No, but annual fee is waived on ₹50K yearly spend.
Q: Which spends don’t earn rewards?
→ Fuel, cash advances, EMI & wallet loads.
💡 Terms apply. Lounge access & rewards subject to AU Bank policies.
