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If you're looking for an affordable rewards credit card with cashback and railway lounge access, the AU Bank Altura Plus Credit Card deserves attention. With an annual fee of just ₹499 + GST, this entry-level credit card combines cashback on offline purchases, reward points on online spending, milestone rewards, and complimentary railway lounge access.
Let's see whether it's worth applying for in 2026.
Key Highlights
| Feature | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST |
| Annual Fee Waiver | Spend ₹80,000 in previous year |
| Welcome Benefit | First-year fee waiver on eligible spending |
| Offline Cashback | 1.5% Cashback |
| Online Rewards | 2X Reward Points |
| Railway Lounge | 8 Complimentary Visits per year |
| Fuel Benefit | 1% Fuel Surcharge Waiver |
Features and eligibility may change over time. Check the issuer's latest terms before applying.
Rewards & Cashback
The Altura Plus card offers a balanced rewards structure:
- 1.5% cashback on offline retail purchases (subject to monthly cap)
- 2 Reward Points per ₹100 on eligible online spends
- 1 Reward Point per ₹100 on eligible offline spends after cashback cap
- 500 Bonus Reward Points after monthly retail spending milestone of ₹20,000.
This combination makes the card suitable for users who split their spending between online shopping and offline retail.
Also Read : RBL Bank Shoprite Credit Card Review 2026
Railway Lounge Access
One of the biggest attractions is:
- 8 complimentary railway lounge visits every year
- Available at select railway stations across India.
Frequent train travelers may find this benefit valuable.
Fuel Benefits
Cardholders receive:
- 1% Fuel Surcharge Waiver
- Applicable on fuel transactions between ₹400 and ₹5,000
- Maximum waiver as per issuer terms.
Annual Fee Waiver
The annual fee becomes effectively zero if you meet spending requirements:
- First-year fee waiver on qualifying retail spends within the introductory period.
- Renewal fee waived after ₹80,000 annual retail spending.
Pros
- Affordable annual fee
- Cashback on offline shopping
- Reward Points on online purchases
- Railway lounge access
- Fuel surcharge waiver
- Easy annual fee waiver through spending
Cons
- Cashback is capped each month.
- No complimentary airport lounge access.
- Better cashback cards exist for users who spend heavily online.
Who Should Apply?
This card is ideal if you:
- Shop regularly online and offline
- Want a low-fee rewards credit card
- Frequently travel by train
- Want reward points along with cashback
It may not be ideal if you primarily want airport lounge access or uncapped cashback.
Final Verdict
In 2026, the AU Bank Altura Plus Credit Card remains a solid entry-level option for users seeking affordable rewards. The combination of offline cashback, online reward points, railway lounge access, and a low annual fee makes it a practical choice for everyday spending. While the cashback cap and lack of airport lounge access limit its appeal for some users, it offers good overall value for beginners and moderate spenders.
Overall Rating: ⭐⭐⭐⭐☆ (4.2/5)
FAQs
Is the AU Bank Altura Plus Credit Card lifetime free?
No. It carries a ₹499 annual fee, but the fee can be waived by meeting the annual spending requirement.
Does the card offer airport lounge access?
No, it primarily offers complimentary railway lounge access.
What cashback does the card provide?
Eligible offline retail purchases earn 1.5% cashback, subject to applicable caps and terms.
Is it good for online shopping?
Yes. Eligible online transactions earn 2X Reward Points, making it a reasonable choice for online shoppers.
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