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
