AU Altura Plus Credit Card Review (2026)
AU's premium card with aggressive category earn rates. 7x on dining, 5x on online shopping, and lounge access — all at 1,499/year.
Last updated: 2026-05-09· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹1,499 |
| Joining Fee | ₹1,499 |
| Fee Waiver | Spend 2.5L in a year |
| Income Required | ₹7L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: AU Reward Points
Milestone Benefits
2,500 bonus reward points on spending 2.5L
Lounge Access
Our Review
The Altura Plus is AU Bank's most compelling card and a genuine value proposition in the premium space. The 7x on dining is the headline — for someone spending 10K/month on restaurants and Swiggy/Zomato, that's 700 points/month on dining alone. The 5x on online shopping and 6x on international spends round out a strong category portfolio. At 1,499/year (waived at 2.5L), it undercuts HDFC Regalia (2,500) and Axis SELECT (3,000) while offering better category rates. The trade-off is always AU's ecosystem: limited redemptions, smaller bank infrastructure, less refined digital experience. If you can tolerate those rough edges, the raw reward math makes this card competitive with cards costing double.
Pros & Cons
Pros
- + 7x on dining and food delivery — among the highest at this price point
- + 5x on online shopping and 6x on international spends
- + 8 domestic + 2 international lounge visits
- + Strong category earn rates at a 1,499 price that undercuts bigger banks
Cons
- - AU reward point ecosystem remains the weakest link
- - Only 2 international lounge visits is quite limiting
- - Customer service infrastructure lags behind top banks
- - 3x base rate is good but not as strong as 4x from HDFC/Axis/ICICI premium cards
Best For
Frequently Asked Questions
Is the AU Altura Plus Credit Card worth it in 2026?
It depends on your spending. The AU Altura Plus Credit Card costs ₹1,499/year (waiver: Spend 2.5L in a year). With an effective base return of 0.6%, you'd need to spend approximately ₹2.5L per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the AU Altura Plus Credit Card annual fee?
The AU Altura Plus Credit Card has an annual fee of ₹1,499. Joining fee is also ₹1,499. Fee waiver: Spend 2.5L in a year.
What is the minimum salary required for AU Altura Plus Credit Card?
The minimum annual income required for the AU Altura Plus Credit Card is ₹7L. However, if you have an existing banking relationship with AU Small Finance Bank, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on AU Small Finance Bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.