AU Altura Plus Credit Card Review: Detailed 2026 Update
- Quick Verdict
- Card at a Glance
- Fees & Welcome Benefits
- Reward Point System Explained
- Travel & Lounge Benefits
- Milestone Benefits & Fee Waivers
- Pros & Cons
- Who Should Get This Card?
- Final Conclusion
Quick Verdict
Is it good? Yes, the AU Altura Plus Credit Card offers decent cashback and benefits without an annual fee.
Reward rate? You can earn 1% monthly cashback on non-fuel spends up to ₹200 per month.
Best for? This card is ideal for those who frequently shop online and want to enjoy cashback on their purchases.
Card at a Glance
| Feature | Details |
|---|---|
| Annual Fee | Nil |
| Joining Fee | Nil |
| Reward Rate | 1% monthly cashback on non-fuel spends up to ₹200 |
| Welcome Benefits | Up to 10% cashback at booking.com, 15% off at Titan, and more |
| Lounge Access | 2 domestic airport lounge accesses per quarter |
| Milestone Benefits | Various vouchers based on spending targets |
Fees & Welcome Benefits
The AU Altura Plus Credit Card comes with no annual or joining fees, making it a cost-effective option for users. The welcome benefits include:
- Up to 10% cashback at booking.com
- 15% off at Titan, Hamleys, and Bata
- Up to 25% cashback at Samsung online store
- 25% off at Crocs online store
- 20% off on Gold making charges at Joyallukas
- ₹3,000 off on Diamond jewellery
- 10% off at Tanishq and House of Masaba (for 1st year only)
However, it’s important to note that these benefits are discontinued for accounts opened from 01.04.2024 onwards.
Reward Point System Explained
The reward point system of the AU Altura Plus Credit Card is straightforward. You earn 1% cashback on non-fuel spends, capped at ₹200 per month. This means that if you spend ₹20,000 in a month, you will receive ₹200 as cashback. Here’s a detailed breakdown:
| Category | Reward Rate | Monthly Limit |
|---|---|---|
| Non-Fuel Spends | 1% Cashback | ₹20,000 |
| Fuel Spends | No cashback | N/A |
In our experience, the cashback feature is beneficial for regular shoppers, especially on platforms like Amazon.in and Flipkart.
Travel & Lounge Benefits
For travel enthusiasts, the AU Altura Plus Credit Card offers 2 domestic airport lounge accesses per quarter. This is a great perk for those who travel frequently within India. However, there are no international lounge access benefits, which might be a drawback for international travelers.
Milestone Benefits & Fee Waivers
The card also features milestone benefits that reward you for reaching specific spending targets. Here’s what you can earn:
- ₹500 Amazon Voucher for ₹100,000 annual spends
- ₹500 Amazon Voucher + ₹750 BookMyShow Voucher for ₹200,000 annual spends
- ₹500 Amazon Voucher + ₹750 BookMyShow Voucher + ₹1,000 Taj Hotel Voucher for ₹500,000 annual spends
- ₹500 Amazon Voucher + ₹750 BookMyShow Voucher + ₹1,000 Taj Hotel Voucher + ₹2,500 MakeMyTrip Voucher for ₹1,000,000 annual spends (discontinued wef 01.04.2024)
These benefits can significantly enhance your overall experience with the card, especially if you are a frequent spender.
Pros & Cons
| Pros | Cons |
|---|---|
| Earn accelerated Reward Points on specific merchant categories | Welcome benefits are limited and discontinued for new accounts |
| Fuel surcharge waiver at all petrol pumps across India | Milestone benefits discontinued from 01.04.2024 |
| Contactless payment feature for quick and secure transactions | Limited branch network |
| Easy EMI conversion options for large purchases | RBI protection only up to ₹5 lacs per account |
| Low AMB requirement for premium banking | Limited information available about rewards and benefits |
Who Should Get This Card?
The AU Altura Plus Credit Card is best suited for:
- Individuals looking for a no-annual-fee credit card with cashback benefits.
- Frequent online shoppers who can take advantage of the welcome benefits.
- Those who travel domestically and can utilize the lounge access.
- People who prefer a straightforward reward system without complicated terms.
Final Conclusion
In conclusion, the AU Altura Plus Credit Card Review shows that this card is a solid choice for those who want to earn cashback on their everyday spending without incurring annual fees. While the welcome and milestone benefits are set to be discontinued for new accounts, the card still offers valuable features like lounge access and cashback on non-fuel spends. If you fit the target audience, this card could be a great addition to your wallet. For more options, check out the AU Business Cashback Review for a different perspective on credit card benefits.
For more details, you can visit the official AU Small Finance Bank page or check out CardExpert for comprehensive credit card comparisons.