AU Altura Plus Credit Card

The AU Altura Plus Credit Card from AU Small Finance Bank is a mid-tier credit card designed to offer a mix of cashback, reward points, and additional perks such as lounge access and purchase protections. It is aimed at regular shoppers and frequent users of online and offline retail channels, providing a balanced rewards structure and reasonable fee structure with a waiver option.

AU Altura Plus Credit Card

Joining Fees	₹ 499 + applicable taxes
Annual Fees	₹ 499 + applicable taxes
Card Type	Cashback, Rewards
Network Type	Visa

Rewards & Benifits

1.5% Cashback on all POS retail spends at merchant outlets (max ₹100 cashback per statement cycle). After max cashback, 1 Reward Point per ₹100 retail spend (except fuel).
2 Reward Points per ₹100 for online transactions; 1 Reward Point per ₹100 on utility, telecom and insurance spends.
500 Bonus Reward Points if you spend ₹20,000 or more on retail (excluding fuel & cash) in a calendar month.
2 complimentary railway-lounge visits per calendar quarter (for cardholder and add-on cardholders) at select railway stations.
1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 (up to ₹150 per statement cycle).
Free add-on cards for lifetime.
Option to convert eligible card transactions into EMI via AU 0101 App, Net-Banking, AURO Chat-bot, WhatsApp Banking, or phone/IVR.

Fees & Charges

Annual fee: ₹499 + applicable taxes (waived if you spend ₹20,000 retail within first 90 days; keep waiver for next years by spending ₹80,000 in previous anniversary year).
No joining fee if spend conditions met (official page shows only annual fee). Joining-fee waiver conditions are same as annual fee waiver conditions.
Other fees/charges: Not specified on the official page (e.g. cash advance fee, interest rates, late-payment charges not detailed).

Card Details

Cashback & rewards on retail, online, utility, telecom and insurance spends (with some exclusions like fuel, cash, rent, government, EMI, education, quasi-cash etc.).
Milestone bonus points on monthly spend threshold.
Complimentary railway lounge access twice per quarter.
Fuel surcharge waiver for eligible fuel transactions.
Free lifetime add-on cards.
EMI conversion option for eligible transactions.
Lost card liability cover — insurance protection on purchase of mobile and electronics.

Pros & Cons

Good cashback and reward structure for retail and online spends.
Milestone reward points provide extra benefit for regular spenders.
Complimentary railway lounge access useful for frequent train travellers.
Fuel surcharge waiver helps reduce running costs on fuel purchases.
Free add-on cards — family members can also benefit.
Flexibility to convert spends to EMI.

Annual fee applies unless spend thresholds are met — may be burdensome for low spenders.
Cashback cap of ₹100 per statement cycle limits benefit on big spends.
Reward points on certain categories excluded (fuel, cash, rent, government, education, etc.).
Official page does not detail some charges like interest rates, late-payment fees, network type — lack of transparency.

ELIGIBILITY CRITERIA
Primary cardholder: Salaried individuals aged 21–60 years, self-employed aged 25–65 years. Add-on cardholder must be over 18 years. Must be a Resident Indian.
If criteria for credit score, income or other conditions are required — Not specified on the official page.

WELCOME BENEFITS
Milestone benefit: 500 Bonus Reward Points on monthly retail spends of ₹ 20,000 or more.
No other explicit welcome/joining perks listed (e.g. no free vouchers or joining fee waiver offer mentioned on the official page).

CARD REVIEW
The AU Altura Plus Credit Card is well-suited for individuals who shop regularly — both online and at physical stores — and can maintain moderate annual spending. Its blend of 1.5% cashback on offline retail and 2× reward points online makes it versatile for everyday expenses and e-commerce usage. The modest fee (₹ 499) becomes negligible if spend thresholds for waiver are met, enhancing value for money. However, the relatively low cashback cap (₹ 100/month) limits benefits for heavy offline spenders, and the lack of clarity on card network may affect acceptance. Overall, it offers solid value for mid-level spenders and travellers who can utilise lounge access and EMI/insurance features

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

AU Altura Plus Credit Card