Altura Plus is a simple entry level card for people who mostly swipe at physical stores. Offline retail spends earn 1.5% cashback, online spends earn double reward points, and there is a monthly milestone of 500 bonus points once your spends cross Rs 20,000.
Two honest limits to know before you apply: the 1.5% cashback is capped at just Rs 100 per statement cycle, so big spenders outgrow this card quickly, and the lounge benefit is railway lounges, not airport lounges. At Rs 499 a year, with the fee waived at modest spends, it still works well as a first or backup card, especially if you travel by train.
Annual Fee (+ 18% GST)₹499 (₹589 incl. GST)
Fee WaiverFirst year fee waived on Rs 20,000 retail spends within 90 days of card setup; renewal fee waived on Rs 80,000 retail spends in the previous anniversary year
Joining PerkNo welcome voucher; instead you earn 500 bonus reward points in every calendar month where your spends cross Rs 20,000
Primary Reward1.5% cashback on POS retail spends, capped at Rs 100 per statement cycle, plus 2 reward points per Rs 100 on online spends and 1 point per Rs 100 on utility, telecom and insurance spends
Airport Lounge Access2 complimentary railway lounge visits per quarter at select stations such as New Delhi, Kolkata Sealdah, Jaipur, Ahmedabad and Agra. No airport lounge access
Forex Markup3.49% plus GST
RuPay UPINo
Best ForEveryday offline spenders and train travellers who want simple cashback at a low fee
What We Like
Flat 1.5% cashback on offline store spends, no category hunting
Low Rs 499 fee, waived at just Rs 80,000 yearly spends
2 railway lounge visits per quarter, rare at this price
Monthly 500 bonus points at Rs 20,000 spends
Watch Out
Cashback is capped at Rs 100 per statement cycle
No airport lounge access
Online earn rate of 2 points per Rs 100 is modest
MITC & Hidden Charges
Annual membership fee Rs 499 plus GST (AU Altura Plus product page and AU MITC). Forex markup is 3.49% as per the AU MITC schedule of charges. Fuel surcharge waiver is 1% on transactions between Rs 400 and Rs 5,000. The 500 bonus point milestone needs Rs 20,000 or more of retail spends in a calendar month.