AU Bank Altura Plus Credit Card Review
The AU Altura Plus is a low-fee entry card mixing offline cashback with online reward points, plus railway lounge access and a fuel waiver. Here is the verified review.
- 1.5% cashback on offline retail
- 2 reward points per ₹100 online (no RP cap)
- 8 railway lounge visits/year
- Low ₹499 fee, easily waived
- Milestone & welcome vouchers
- Offline cashback capped at ₹100
- 1 RP on utility/telecom/insurance
- Transport-MCC points discontinued (Apr 2026)
- Railway (not airport) lounges
- Entry-level rewards overall
Fees & rewards
| Item | Detail |
|---|---|
| Annual fee | ₹499 (Y1 waived ₹20k/90 days; Y2 ₹80k) |
| Offline retail | 1.5% cashback (cap ₹100) |
| Online | 2 RP per ₹100 |
| Utility/telecom/insurance | 1 RP per ₹100 |
| Milestone | 500 RP on ₹20,000/month |
| Railway lounge | 8 visits/year |
Eligibility & documents
Age
18 to 70 years
Income
Per AU norms
Recommended CIBIL
~720+
Network
Visa / RuPay
Best for
Entry users; mixed online/offline spend
Documents
PAN, Aadhaar, income & address proof
Who this card is for
- Best fit: entry users who want a cheap card with offline cashback and online points.
- Skip if: you want airport lounges or high uncapped rewards.
How to apply & how to cancel
Apply: via au.bank.in. Cancel: call AU customer care after clearing dues; redeem points first.
Final verdict
The AU Altura Plus is a sensible low-fee entry card — 1.5% offline cashback, 2X online and railway lounges for a fee that’s easy to waive. The ₹100 offline cap and entry-level rates mean it’s a starter/secondary card rather than a primary high-rewards earner.
Frequently asked questions
How much cashback does it give?
1.5% on offline retail (capped ₹100), plus 2 reward points per ₹100 online and 1 RP on utility/telecom/insurance.
What is the fee?
₹499 — waived in year 1 on ₹20,000 spend in 90 days, and in year 2 on ₹80,000 annual spend.
Does it offer lounge access?
Yes — 8 railway lounge visits a year.
Any recent changes?
From 1 April 2026, reward points on transportation merchant categories were discontinued.
Data current as of June 2026, cross-checked against AU Small Finance Bank and aggregators. Confirm current terms on au.bank.in before applying.