AU Altura+
AU Small Finance Bank · Checked 2026-10-09
AU Altura+ is a paid card focused on shopping rewards, online spending and straightforward cashback, charging ₹499 annually before GST.
CardIQ editorial view
Our take
AU Altura+ is a paid card focused on shopping rewards, online spending and straightforward cashback, charging ₹499 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise online spending.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 1.5% cashback on eligible offline purchases, capped at ₹100 per statement cycle.
- 8 railway lounge visits annually. First-year fee waiver requires ₹20,000 retail spend within 90 days.
Trade-offs to understand
- After reaching the cashback cap, eligible offline purchases earn 1 point per ₹100; online purchases earn 2 points per ₹100.
- 500 bonus points at ₹20,000 eligible retail spend in a calendar month; category exclusions apply.
- The ₹499 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 1.5% cashback on eligible offline purchases, capped at ₹100 per statement cycle valuable enough to clear the fee. Factor in this condition: After reaching the cashback cap, eligible offline purchases earn 1 point per ₹100; online purchases earn 2 points per ₹100.
Compare before deciding
- PhonePe SBI Card PURPLE — A similarly priced alternative for comparing shopping rewards and reward points.
- RBL Bank Patanjali Vishisht — A similarly priced alternative for comparing shopping rewards and reward points.
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Benefits, limits and conditions
- After reaching the cashback cap, eligible offline purchases earn 1 point per ₹100; online purchases earn 2 points per ₹100.
- 500 bonus points at ₹20,000 eligible retail spend in a calendar month; category exclusions apply.
- 8 railway lounge visits annually. First-year fee waiver requires ₹20,000 retail spend within 90 days.