AU Altura Plus Credit Card 2025
Save ₹8,000 to ₹12,000 per year with cashback, points, and railway lounges!
I have been looking into credit cards lately, especially ones that are good for everyday stuff like shopping and train trips, since I use trains a lot to get around. The AU Altura Plus seems like a pretty decent option for 2025, I think, at least for beginners or people who don't want to pay too much. It gives 1.5 percent cashback on all those offline spends, like when you swipe at a store, and then 2X reward points if you're buying things online. Plus, there are 8 railway lounge visits each year, which sounds useful if you travel by train regularly. The fee is only 499 rupees, and it's easy to waive it by just spending a bit. That part about saving 8000 to 12000 rupees a year with the cashback and points and lounges feels like a good deal if you spend consistently. For someone like me who shops both in person and online and takes trains now and then, this card might fit okay. But I am not totally sure if it's the absolute best; maybe there are others out there.
Why does it stand out for everyday use and train travel?
The 1.5 percent cashback offline, 2X points online, those 8 lounge accesses per year, and then a 500-point bonus each month if you spend 20000 rupees. Also, there is a 1 percent fuel waiver, and the fee goes away if you spend 80000 in a year. Contactless payments too, which is handy.
I guess it's best for: people who shop a lot offline and online, commute by train regularly, or families watching their budget.
Special Offer: Joining fee waived if you spend ₹20,000 in first 90 days
At a glance
₹499 + GST (waived on ₹20K in 90 days)
₹499 + GST (waived on ₹80K/year)
1.5% offline (up to ₹100/month)
2X online | 1X offline
8 railway per year (2/quarter)
1% (up to ₹150/month)
Fees and charges
| Particular | Details |
|---|---|
| Joining Fee | ₹499 + GST (waived on ₹20,000 spend in 90 days) |
| Annual Fee | ₹499 + GST (waived on ₹80,000 annual spend) |
| Joining Bonus | Fee waiver on eligible spend |
| Rewards Redemption Fee | ₹99 per redemption |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.49% per month |
| Fuel Surcharge Waiver | 1% (₹400-₹5,000 transaction, max ₹150/month) |
| Cash Advance Fee | 2.5% or ₹300 (whichever higher) |
The reward rates for 2025
- 1.5 percent cashback on offline POS or swipe, but only up to 100 a month; after that, it's 1 point per 100
- 2 points per 100 online
- Offline after cap is 1 point per 100
- 500 bonus on 20000 monthly
- No rewards on fuel, rent, EMIs, or wallet loads
- Utility bills max 100 points per transaction
- Points are worth 0.25 to 0.50 rupees for vouchers or travel or cash
Railway lounges
8 complimentary visits a year
2 per quarter at places like New Delhi, Kolkata, Ahmedabad, Jaipur, Madurai, Agra, and others
For the cardholder and add-ons
Insurance-wise
- Zero liability if lost or stolen and reported right away
- Contactless up to 5000
- EMI on purchases over 2500
Pros and cons
| Pros | Cons |
|---|---|
| 1.5 cashback offline | Cashback cap at 100 a month |
| 2X online | No airport lounges |
| 8 lounges | 99 redemption fee |
| Low fee easy waiver | 3.5 forex high for international |
| 1% fuel waiver | Only for Indian residents |
| Monthly 500-point bonus |
Eligibility
- Age 21 to 60
- Minimum income 4.5 lakh a year
- Credit score 700 plus preferred
- Documents: PAN, Aadhaar, salary slip or ITR, and bank statement
To apply online
- Go to the AU Bank site and pick Altura Plus
- Fill out the basics and check pre-approval
- Upload PAN, Aadhaar, and income proof
- Video KYC 2-3 minutes
- Card in 5-7 days
In the end
If you spend over 20000 monthly offline and online and take trains, you could save 8000 to 12000 a year with this. It's probably a top low-fee card for daily spending and railway perks, a good value for regular users, though the cap on cashback might annoy some. It seems solid, but maybe not for everyone.
FAQs
How to get cashback with AU Altura Plus Credit Card?
Automatic 1.5 percent on offline POS swipe, credited monthly up to 100 with AU Altura Plus Credit Card.
Annual fee waived for AU Altura Plus Credit Card?
Yes, 20000 in 90 days for joining, 80000 a year for annual fee waiver on AU Altura Plus Credit Card.
Lounge policy for AU Altura Plus Credit Card?
2 free per quarter, 8 years, at major stations like New Delhi, Kolkata, Jaipur, and Ahmedabad with AU Altura Plus Credit Card.
Points expire on AU Altura Plus Credit Card?
Yes, 3 years from earning on AU Altura Plus Credit Card.
Cashback limit on AU Altura Plus Credit Card?
100 per month offline; beyond that, standard points on AU Altura Plus Credit Card.
Affiliate Disclosure: Some links might be affiliate; if you apply, we get a commission at no cost to you. Last updated December 16, 2025.