AU Altura Plus Credit Card Review 2026: Fees, Cashback, Rewards & Railway Lounge Access
If you are searching for an AU Altura Plus Credit Card review 2026 that covers fees, cashback, reward points, railway lounge access, fuel benefits and eligibility, this guide explains the card in simple terms.
The AU Altura Plus Credit Card is positioned as a relatively affordable rewards and cashback card. It combines 1.5% cashback on eligible offline retail spending, 2X reward points on eligible online spending, milestone rewards and complimentary railway lounge access.
The card has an annual membership fee of ₹499 + GST. AU Small Finance Bank currently states that the first-year fee can be waived when eligible retail spending reaches ₹20,000 within 90 days of card setup, while the renewal fee can be waived with ₹80,000 of retail spending in the previous card anniversary year.
Important: Credit-card benefits, fees, reward rules and eligibility can change. Always verify the latest terms on the issuer's website before applying.
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AU Altura Plus Credit Card Highlights 2026
| Feature | Details |
|---|---|
| Card | AU Altura Plus Credit Card |
| Annual Fee | ₹499 + GST |
| First-Year Fee Waiver | ₹20,000 eligible retail spending within 90 days of card setup |
| Renewal Fee Waiver | ₹80,000 eligible retail spending in the previous card anniversary year |
| Offline Cashback | 1.5% on eligible offline retail transactions, subject to applicable cap |
| Online Rewards | 2 Reward Points per ₹100 on eligible online transactions |
| Offline Rewards | 1 Reward Point per ₹100 after the applicable cashback limit is reached |
| Milestone Benefit | 500 bonus Reward Points on qualifying retail spending of ₹20,000 or more in a calendar month |
| Railway Lounge | 8 complimentary railway lounge visits per year |
| Fuel Benefit | 1% fuel surcharge waiver subject to AU's applicable transaction and monthly limits |
Source: AU Small Finance Bank's published Altura Plus product information and credit-card fee documentation.
AU Altura Plus Credit Card Fees
The AU Altura Plus Credit Card annual fee is currently ₹499 plus applicable GST.
For the first year, AU states that the annual fee can be waived when the cardholder completes ₹20,000 in eligible retail spending within 90 days of card setup.
From the second year onward, the renewal fee can be waived when the cardholder completes ₹80,000 in eligible retail spending during the previous card anniversary year.
| Fee Condition | Current Requirement |
|---|---|
| Annual Membership Fee | ₹499 + GST |
| First-Year Fee Waiver | ₹20,000 retail spend within 90 days |
| Renewal Fee Waiver | ₹80,000 retail spend in previous anniversary year |
Only eligible retail spending should be considered when calculating the fee-waiver requirement. Check AU Bank's latest terms before planning spending specifically to meet the waiver.
Check the latest AU Altura Plus fees and terms
AU Altura Plus Credit Card Cashback
One of the main reasons people search for an AU Altura Plus cashback credit card is its offline cashback benefit.
AU currently advertises 1.5% cashback on offline spending. The cashback is subject to the applicable maximum limit, so cardholders should not calculate their return simply by multiplying every rupee of spending by 1.5%.
This makes the card more relevant to customers who regularly use their credit card for eligible purchases at physical merchant outlets.
How the Cashback Structure Works
- Eligible offline retail transactions can earn 1.5% cashback.
- The cashback is subject to the applicable statement-cycle limit.
- After the maximum cashback limit is reached, eligible retail spending can earn reward points according to AU's rules.
- Some transaction categories are excluded from rewards or cashback.
Before applying, check AU Bank's latest exclusions because categories such as fuel, cash, rent, education, government, EMI and certain other transactions can have different treatment.
2X Reward Points on Online Spending
The AU Altura Plus online rewards structure is another important feature.
Eligible online transactions earn 2 Reward Points per ₹100. Eligible offline retail transactions can earn 1 Reward Point per ₹100 after the applicable cashback limit has been reached.
AU also states that utility and telecom and insurance transactions can earn 1 Reward Point per ₹100 under the applicable reward structure.
However, not every credit-card transaction earns rewards. AU's published terms list several excluded categories, so cardholders should review the current reward-point terms rather than assuming every transaction qualifies.
500 Bonus Reward Points Milestone Benefit
Another feature worth considering is the monthly milestone benefit.
AU states that cardholders can receive 500 bonus Reward Points when eligible retail spending reaches ₹20,000 or more in a calendar month, subject to the card's terms and exclusions.
If you naturally spend around this amount on eligible purchases, the milestone can increase the overall value of the card. However, it is generally better to avoid unnecessary spending only to trigger a credit-card reward.
AU Altura Plus Railway Lounge Access
For Indian train travellers, railway lounge access is one of the more distinctive features of the card.
The AU Altura Plus Credit Card offers 8 complimentary railway lounge visits every year, subject to the applicable programme conditions and participating railway stations.
This is different from airport lounge access. If your primary requirement is airport lounge access through a credit card, you should check the specific lounge benefits of the card you are considering rather than assuming railway lounge access includes airports.
For people who frequently travel by train, however, railway lounge access can be a useful additional benefit.
AU Altura Plus Fuel Surcharge Waiver
The card also provides a 1% fuel surcharge waiver on qualifying fuel transactions.
AU's current published information states that the benefit applies to transactions between ₹400 and ₹5,000, subject to the applicable maximum waiver.
AU has also published an update stating that from 1 October 2026, the maximum fuel surcharge waiver for Altura Plus will be up to ₹100 per statement cycle for qualifying transactions between ₹400 and ₹5,000.
Because this benefit has a cap, it should be treated as an additional saving rather than unlimited fuel cashback.
AU Altura Plus Credit Card Eligibility
If you are searching for AU Altura Plus Credit Card eligibility, AU's current product page provides indicative criteria.
- Salaried applicants: 21 to 60 years
- Self-employed applicants: 25 to 65 years
- Applicant status: Resident Indian
These are indicative criteria. AU Small Finance Bank retains the right to approve or decline a credit-card application based on its internal assessment.
Income requirements and other approval factors can also vary, so meeting the basic age criteria does not guarantee approval.
Is AU Altura Plus a Good Credit Card for Online Shopping?
The card can be relevant to people who regularly make eligible online purchases because AU advertises 2 Reward Points per ₹100 on online transactions.
However, the value of reward points depends on the redemption option available to the cardholder. Therefore, compare the actual redemption value with competing online shopping credit cards in India before choosing a card solely on the advertised reward rate.
If most of your spending happens at physical stores, the 1.5% offline cashback feature may be more relevant to you than the online reward rate.
AU Altura Plus for Salaried Professionals
Salaried professionals looking for a low annual fee credit card in India may consider the Altura Plus if their normal spending pattern matches its rewards structure.
For example, someone who spends on online shopping, offline retail purchases and occasional train travel may be able to use several benefits of the card.
The key point is to compare your actual monthly spending categories rather than selecting a credit card only because it advertises a high headline reward rate.
AU Altura Plus for Self-Employed Applicants
Self-employed applicants can also consider the card if they meet AU Bank's applicable eligibility requirements.
Because credit-card approval can depend on income, credit history, documentation and the issuer's internal assessment, eligibility should be checked directly with AU Bank before applying.
Advantages of AU Altura Plus Credit Card
- ₹499 + GST annual membership fee
- First-year fee waiver at ₹20,000 eligible retail spending within 90 days
- Renewal fee waiver at ₹80,000 eligible retail spending
- 1.5% cashback on eligible offline retail purchases
- 2X Reward Points on eligible online transactions
- 500 bonus Reward Points milestone benefit
- 8 complimentary railway lounge visits annually
- Fuel surcharge waiver on qualifying transactions
- Free add-on card facility subject to AU's applicable terms
- Contactless payment support
Limitations to Consider Before Applying
- The annual fee is not permanently waived for every cardholder.
- Cashback has an applicable cap.
- Not every transaction category earns cashback or reward points.
- Railway lounge access should not be confused with airport lounge access.
- Reward-point value depends on available redemption options.
- Credit-card benefits and charges can change over time.
AU Altura Plus vs Other Credit Cards
There is no single credit card that is suitable for every customer. Before applying, compare the annual fee, cashback rate, reward-point value, spending caps, lounge access, fuel benefits, exclusions and fee-waiver requirement.
If your main goal is online shopping, compare cards that specifically reward online purchases. If you frequently travel by train, railway lounge access may carry greater practical value. If you mainly want airport lounge access, compare cards offering that particular benefit.
Related guides on Credit Card Offers:
- Best Fuel Credit Cards in India
- Best Credit Cards for Self-Employed Professionals in India
- Best Credit Cards for Salaried Employees in India (2026)
- How to Improve CIBIL Score
- Credit Card Eligibility in India
Useful External Resources for Indian Credit-Card Users
Readers should verify important financial information using authoritative sources before applying for a credit card.
- AU Small Finance Bank – Altura Plus Credit Card – Official product information, benefits and eligibility.
- Reserve Bank of India – Official banking and financial-regulation information.
- TransUnion CIBIL – Credit-score and credit-report information for Indian consumers.
- Policybazaar/PaisaBazaar – Additional credit-card and personal-finance comparison resources.
AU Altura Plus Credit Card: Frequently Asked Questions
What is the annual fee of AU Altura Plus Credit Card?
The annual membership fee is currently ₹499 + GST. AU provides fee-waiver conditions based on qualifying retail spending.
How can I waive the first-year AU Altura Plus fee?
AU currently states that ₹20,000 of eligible retail spending within 90 days of card setup qualifies for the first-year fee waiver.
How can I waive the renewal fee?
The renewal fee can be waived when eligible retail spending reaches ₹80,000 in the previous card anniversary year, according to AU's current published terms.
Does AU Altura Plus provide cashback?
Yes. AU currently advertises 1.5% cashback on eligible offline retail spending, subject to the applicable cashback limit and exclusions.
How many reward points are earned on online purchases?
Eligible online transactions earn 2 Reward Points per ₹100 under AU's current published reward structure.
Does AU Altura Plus provide railway lounge access?
Yes. AU currently advertises 8 complimentary railway lounge visits every year, subject to applicable terms and participating locations.
Does AU Altura Plus provide airport lounge access?
The Altura Plus product information highlighted here provides railway lounge access. Do not assume railway lounge access means airport lounge access. Check the current AU product terms if airport lounge access is important to you.
Is AU Altura Plus a lifetime-free credit card?
No. The card has a ₹499 + GST annual membership fee, although AU provides spending-based fee-waiver conditions.
What is the fuel benefit on AU Altura Plus?
AU provides a 1% fuel surcharge waiver on qualifying transactions, subject to the applicable transaction range and statement-cycle limit.
Who can consider the AU Altura Plus Credit Card?
It may be relevant to customers who want a combination of offline cashback, online reward points, railway lounge access and a relatively low annual fee. The right choice depends on individual spending patterns and the latest competing card benefits.
Final Thoughts on AU Altura Plus Credit Card
The AU Altura Plus Credit Card combines several everyday benefits in one card: offline cashback, online reward points, milestone rewards, railway lounge access and a fuel surcharge waiver.
The ₹499 + GST annual fee can be waived through qualifying spending, which can make the card more relevant to customers who naturally meet the required spending threshold.
At the same time, applicants should pay attention to cashback caps, reward exclusions, lounge conditions and changing issuer terms. A credit card should be selected according to your actual spending pattern rather than simply choosing the card with the highest advertised reward percentage.
Before applying, check the latest information directly with AU Small Finance Bank.
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About the Author
Bhuvnesh Bhushan is the founder of Credit Card Offers India, an India-focused personal-finance website publishing educational guides about credit cards, cashback, rewards, fees, eligibility, banking and personal finance.
The purpose of this article is educational. Credit-card approval, fees, rewards, eligibility and benefits are determined by the issuing bank and may change without notice.
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