Altura Plus Credit Card

Altura Plus in a minute

• Altura Plus costs ₹499 + GST and earns reward points: 1 point per ₹100 offline and 2X online.
• Almost all of its value comes from one bonus: 500 points in any month you spend ₹20,000 on retail.
• It adds 8 railway lounge visits a year, but no airport lounges, and users report a forex markup of about 3.5% (AU does not confirm it in our data).

This is the ₹499 points card, not the ₹199 Altura Credit Card, which pays straight cashback. Reddit writes "Altura+" for this one and often mixes up the two.

How much is an Altura Plus point worth?

This is the question users ask most, and AU does not answer it on the product page. AU's own Ananta card lists 8,000 points as about ₹2,000, so ₹0.25 a point is a fair working guess. Treat every rupee figure below as an estimate until you see the redemption catalogue. Users say there is no fee to redeem.

The month that makes or breaks it

Take ₹20,000 of online spending in a month. You earn 400 points on spend plus the 500-point bonus, so 900 points. At ₹0.25 that is about ₹225, or roughly 1.1%.

Now spend ₹19,000 instead. You miss the bonus, earn 380 points, and get about ₹95, or 0.5%. The bonus is a threshold, not a cap, so spending past ₹20,000 keeps earning at the normal rate.

Cash withdrawals, EMI and government payments earn nothing. Users also say fuel earns no points; you only get a 1% surcharge waiver on ₹400 to ₹5,000 transactions, up to ₹100.

The "1.5% offline cashback" puzzle

Some listings and users quote 1.5% cashback on offline retail, capped at ₹100 a month, but AU has not confirmed it in its terms. What is not clear is whether it comes on top of the 1 point per ₹100 or replaces it. Until the MITC settles that, do not pick this card for in-store spending. The cap alone means heavy store spenders hit the ceiling fast, which is the most common complaint about the card.

Where it falls short for travellers

The 8 railway lounge visits are useful if you take trains often. Frequent flyers get nothing at airports, which users call a dealbreaker. Abroad, the roughly 3.5% markup users report would wipe out any points you earn, so a zero-forex card such as the ixigo AU Credit Card is a better travel companion.

So, should you get Altura Plus?

Yes, if you reliably spend ₹20,000 or more a month, mostly online, and you would use railway lounges. At that level the ₹80,000 renewal waiver takes care of itself, and the first-year fee goes away with ₹20,000 spent in 90 days.

No, if your spending is mostly groceries and bills (the cheaper Altura's 2% cashback does better there), if you fly, or if you spend in foreign currency. User feedback on this exact card is thin, so weigh it lightly.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva