AU Small Finance BankVisaAltura+ Credit Card
3.9NeoFinQ editorial rating
High rewards on online transactions with railway lounge access
- Affordable fee with easy waiver
- 2X points on online shopping
- Railway lounge access
- Joining fee
- ₹499
- Annual fee
- ₹499
- Reward type
- points
- Best for
- Lounge
- Est. rewards
- ₹19,500/yr
Our verdict
Best for moderate spenders who prefer cashback on everyday expenses and online shopping.
Perfect for
- Online shoppers
- Railway travelers
Not ideal for
- Luxury travelers seeking airport lounge access
Pros & cons
- Affordable fee with easy waiver
- 2X points on online shopping
- Railway lounge access
- Limited cashback cap (₹100/month)
- No airport lounge access
Rewards
2 Reward Points for every ₹100 on online spends; 1 Reward Point for every ₹100 on other retail spends. 1 point = ₹0.25.
| Category | Earn rate |
|---|---|
| Shopping | 5% |
| Travel | 3% |
| Online Shopping | 5% |
Welcome offer
Vouchers worth ₹500 for milestone spends within 60 days
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 2 complimentary railway lounge visits per quarter and 1 complimentary domestic airport lounge visit per quarter (subject to spend of ₹20,000 in previous calendar month)
More benefits
- Welcome Bonus: Vouchers worth ₹500 for milestone spends within 60 days
- Milestone: 500 Bonus Reward Points on spending ₹20,000 or more in a calendar month.
Fees & charges
| Joining fee | ₹499 |
| Annual fee | ₹499 |
| Renewal fee | ₹499 |
| Fee waiver | Waived on annual spends of ₹80,000 |
| Waiver threshold | Spend ₹80,000/yr |
Eligibility
Min. income (annual)
₹30,000
Employment
Salaried / Self Employed
Frequently asked questions
How to waive the annual fee?
Spend ₹80,000/year for automatic waiver.
Does it offer airport lounge access?
No, only railway lounge access.
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Find My Best CardAltura+ Credit Card
Annual fee ₹499