AU Altura Plus Credit Card
2 points/₹100 eligible online; ₹0.20 e-voucher value. ₹499+GST annual fee.
Try your spend →How this estimate works
AU Altura+ is distinct from the AU Altura already in the finder. The current issuer product page advertises 2X points on online purchases alongside an ordinary 1 point per ₹100 offline benchmark. This model scores only ordinary eligible online card purchases at 2 points per full ₹100 in one monthly transaction. The issuer blog says Altura Plus reward points have no cap; a total point limit is not applied, though transaction, card-limit and fair-use rules still matter. The separate 1.5% offline cashback route is deliberately not scored because a card-specific issuer cashback limit is not clear on the currently accessible issuer page; no online rewards are assigned to in-store spend. AU also describes 500 monthly milestone points on ₹20,000 retail spend, which are not included. E-voucher value is ₹0.20 per reward point; at least 200 points must be available and one ₹99+GST redemption fee per year is deducted from modeled returns once annual earnings reach the minimum. Vouchers require eligible inventory; they are not cash. The current card page lists a ₹499+GST annual fee, deducted in ranking. The first-year fee waiver at ₹20,000 retail spend within 90 days and renewal waiver at ₹80,000 previous-year retail spend are not presumed. Fuel, cash, rent, education/government and EMI are not modeled; utilities, insurance, transportation and merchant-specific payment routes are excluded from ordinary online scoring because their qualification or separate fees vary. The model is intentionally a narrow online baseline, not a complete estimate of Altura Plus offline cashback, milestone or fuel-waiver benefits.
Issuer terms
AU Altura Plus current online points and fee · AU issuer blog: Altura Plus points uncapped · AU Rewardz FAQ: voucher value and redemption minimum · AU current fee and redemption charge · AU e-voucher value and redemption charge notice
Terms checked 29 September 2026. Voucher value requires redemption, not statement cashback.