Rewarding Everyday Spends — 1.5% Online Return, 8 Airport Lounges & ₹80,000 Fee Waiver
Young salaried professionals and online shoppers looking for reliable 1.5% online rewards, domestic airport lounge access, and a very low fee waiver threshold.
₹499
One-time upfront₹499
Waived on ₹80,000 annual spend1 Reward Point per ₹100 spent on POS transactions (0.25% return; 1 RP = ₹0.25)
On eligible spends8 Domestic visits/year · ₹20k quarterly spend required
Complimentary visitsLast verified 17 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The AU Altura Plus Credit Card is a versatile everyday lifestyle card engineered by AU Small Finance Bank for emerging professionals seeking solid online value back, travel comfort, and practical fee waivers without excessive spending demands. The card is priced at an accessible **joining and annual renewal fee of ₹499 + GST**, which is waived upon spending a modest **₹80,000 annually**—one of the lowest and most achievable spend waiver thresholds in the Indian credit card industry. Cardholders receive a welcome **₹500 e-gift voucher** upon spending ₹10,000 within 60 days of card setup, effectively neutralizing the first-year fee. For digital spenders, Altura Plus delivers a dependable **1.5% effective reward rate on online retail transactions** (earning 2 Reward Points per ₹100 spent online; 1 RP = ₹0.25, plus a 1.0% bonus return). On regular offline purchases, the card earns 1 Reward Point per ₹100 spent (0.25% value back). Additionally, cardholders who spend ₹20,000 or more in a calendar month earn a **500 bonus reward points milestone** (worth ₹125), boosting overall returns on mid-level household spending. Where Altura Plus punches well above its weight class is travel accessibility: it includes **8 complimentary domestic airport lounge visits per calendar year (up to 2 visits per quarter)** alongside **8 complimentary railway lounge visits per calendar year (2 per quarter)** at prominent transit hubs across India. Complete with a 1% fuel surcharge waiver (up to ₹150/month), the AU Altura Plus is an outstanding entry-to-mid-tier credit card for budget-conscious consumers who value lounge access and online rewards.
1.5% cashback on all POS retail spends, 1 Reward Point per Rs. 100 spent after reaching the maximum cashback limit.
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Online Retail Spends | 6 Reward Points per ₹100 spent online (1.50% valueback; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Other POS & Offline Spends | 3 Reward Points per ₹100 spent | No Cap | Standard terms apply |
| Online Shopping Spends | 2 Reward Points per ₹100 spent online (2X acceleration; 0.5% return) | 2,000 Reward Points/mo | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Online Retail Spends | ₹6,000 | 6 Reward Points per ₹100 spent online (1.50% valueback; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Other POS & Offline Spends | ₹18,000 | 3 Reward Points per ₹100 spent | — | None | Calculating... | Under cap |
| Online Shopping Spends | ₹6,000 | 2 Reward Points per ₹100 spent online (2X acceleration; 0.5% return) | — | ₹2,000/monthly | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹499 + GST (Welcome benefit of ₹500 e-gift voucher upon retail spending of ₹10,000 within 60 days of card setup). • Annual Renewal Fee: ₹499 + GST. • Spend-Based Fee Waiver: Annual fee waived on achieving annual retail spend of ₹80,000 in the preceding anniversary year. • Online Spends Reward: 1.5% total return on online retail spending (2 Reward Points per ₹100 spent online; 1 RP = ₹0.25). • Offline Spends Reward: 1 Reward Point per ₹100 spent on offline POS transactions (0.25% return). • Monthly Spend Milestone: 500 bonus reward points upon completing retail spends of ₹20,000 or more in a calendar month. • Domestic Airport Lounge Access: 8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter). • Railway Lounge Access: 8 complimentary railway lounge visits per calendar year (2 visits per calendar quarter) at select railway stations across India. • Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 (maximum waiver ₹150 per statement cycle). • Foreign Currency Markup: 3.49% + GST.
Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding AU Altura Plus Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official AU Small Finance Bank portal with paperless verification.
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