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AU Altura Plus Credit Card
AU Small Finance • Visa

AU Altura Plus Credit Card

Entry-to-mid AU rewards card with accelerated value on shopping and dining categories.

Annual Fee₹499Waived on eligible annual spend as per issuer policy
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹4,169Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual fee₹499

Waived on eligible annual spend as per issuer policy

Net value₹1,301

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
2.0%
Dining
2.0%
Basedefault
0.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • AU Altura Plus Credit Card is best positioned for shopping and dining with a practical ceiling near 2.0% headline earn rates.
  • Cashback economics are most compelling when monthly routing is deliberate and exclusions are tracked.
  • No lounge footprint is currently mapped, so this card should be evaluated mainly on spend return and fee efficiency.

Best Utilization

  • Route the card to shopping and dining transactions first, then shift spillover to a backup card after caps.
  • Use as a focused primary card only where reward eligibility remains clear and repeatable.
  • Review spend against the ₹499 annual fee and downgrade usage if net annual value drops below fee drag.

Watchouts

  • Return quality depends on eligible merchant/category mapping, so spend classification drift can hurt outcomes.
  • No complimentary lounge access is currently mapped for this card.
  • Fee drag risk: if annual realized value does not comfortably clear ₹499 annual fee, this card becomes hard to justify.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹499
  • Annual fee₹499
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports17
  • Approval reports10

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

AU ABC Pro Credit Card

Annual fee: ₹499

Shared focus: Shopping, DiningHigher top earn rate (2.5%)No higher annual fee vs current card
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for AU Altura Plus Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Waived on eligible annual spend as per issuer policy

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Accelerated rewards on key lifestyle spend categories
  • Welcome and partner-led offer stack subject to campaign availability
  • Fuel surcharge waiver and standard card protections
  • Suitable upgrade from basic AU entry cards

Things to Consider

  • Accelerated categories may have caps and excluded MCCs
  • Base rate is moderate for non-category spend
  • Exact reward mechanics can vary with program revisions

About AU Altura Plus Credit Card

AU Altura Plus Credit Card is a cashback card from AU Small Finance, best for users wanting a low-fee au card for shopping and dining spends. It is tagged under shopping, dining, lifestyle, rewards categories in our database.

ShoppingDiningLifestyleRewards

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Frequently asked questions

Is AU Altura Plus Credit Card lifetime free?

It has an annual fee of ₹499. Waived on eligible annual spend as per issuer policy

What rewards does AU Altura Plus Credit Card offer?

Entry-to-mid AU rewards card with accelerated value on shopping and dining categories.

Does AU Altura Plus Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider AU Altura Plus Credit Card?

Users wanting a low-fee AU card for shopping and dining spends

Where can I apply for AU Altura Plus Credit Card?

Check the issuer website for application availability.