Starter
AU Altura Plus Credit Card
A low-fee RuPay card for everyday shopping: 1.5% cashback on shop purchases, monthly bonus points, railway lounges and UPI support.
Joining fee₹499 + GST
Annual fee₹499 + GST
Fee waiverOn ₹80,000 spend a year
Top reward1.5% on shop purchases
Lounge8 railway lounges a year
Forex markup3.49%
Best for: First-time users who shop in stores and pay by UPI, spending about ₹10,000 to ₹20,000 a month.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Shop purchases (offline) | 1.5% cashback | ₹100 a cycle |
| Online shopping | 2 points per ₹100 (about 0.5%) | – |
| Insurance, utility and telecom bills | 1 point per ₹100 | – |
| Rent, education, government, EMI, fuel, transport | Nothing | – |
- 1 point = about ₹0.25; ₹99 + GST redemption fee.
- After the ₹100 cashback cap, shop purchases earn 1 point per ₹100.
Benefits
Welcome benefit
- First-year fee waived on ₹20,000 spend in 90 days.
Milestones
- 500 bonus points every month you spend ₹20,000.
Travel and lounges
- 8 railway lounge visits a year (2 a quarter).
- No airport lounge access.
Fuel and forex
- 1% fuel surcharge waiver on ₹400 to ₹5,000, up to ₹100 a cycle.
- Forex markup 3.49%.
Other perks
- RuPay card works on UPI
Fees and charges
| Joining fee | ₹499 + GST (₹589), waived on ₹20,000 spend in 90 days |
|---|---|
| Annual fee | ₹499 + GST, waived on ₹80,000 yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.49% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried: age 21 to 60
- Self-employed: age 25 to 65
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Easy fee waivers
- Works on UPI
- Monthly bonus points
Watch out for
- Cashback capped at ₹100 a cycle
- Low online rewards
- Fees on high fuel and transport spends
Recent changes
- 1 Oct 2026Fuel surcharge waiver cap cut from ₹150 to ₹100 a cycle.
- 1 Jul 20261% fee on fuel above ₹25,000 a month.
- Apr 2026Transport spends stopped earning rewards.
Frequently asked questions
Is AU Altura Plus lifetime free?
No, but the first-year fee is waived on ₹20,000 spend in 90 days and later fees on ₹80,000 yearly spend.
Ready to apply for the AU Altura Plus Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.