# AU Altura Plus AU Small Finance Bank · Visa. ₹499 fee · 3.49% forex · 1 RP / ₹100 (offline POS / other) · 25K RP/cycle overall cap. community-verified · checked 16 July 2026 · Source: https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf ## How it earns (5) - 1 RP / ₹100 (offline POS / other) · 25K RP/cycle overall cap · cap 25,000 points per statement cycle · verified · checked 16 July 2026 - 1.5% cashback on offline retail (cap ₹100/mo) · cap 100 points per month · offline · verified · checked 28 June 2026 - 2 RP / ₹100 online · cap 25,000 points per statement cycle · online · verified · checked 16 July 2026 - 1 RP / ₹100 on insurance · cap 25,000 points per statement cycle · verified · checked 19 October 2026 - 1 RP / ₹100 on utilities and telecom, capped at 100 RP per transaction · cap 25,000 points per statement cycle · max 100 points per transaction · verified · checked 19 October 2026 ## On gift vouchers - ₹20 back on a ₹10,000 voucher bought direct. · 1 RP / ₹100 (offline POS / other) · 25K RP/cycle overall cap - Vouchers for Bharat Petroleum (BPCL), BYJU'S, Google Pay (GPay), Delhi Metro (DMRC) and 13 more brands: nothing. Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026. Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers ## What earns nothing (2) - No reward points on fuel, rent, education, transport, EMI or bill payments made through BBPS - No reward points on government payments, quasi-cash or cash ## Lounges (1) - 8 railway lounge visits a year. No airport lounge is listed for this card. · Railway lounges · domestic · 8 per year · checked 20 October 2026 ## Transfer partners (0) 1 route closed, kept as history in the change log ## Fees - Annual fee: ₹499 + GST - Forex markup: 3.49% - DCC markup: Not published - Earns: AU Rewardz Points · ₹0.25 a point at baseline ## Dated changes (1) - Partner removed · 31 January 2026: AU cards no longer convert to Air India Maharaja Points (https://getbrief.cards/changes#au-maharaja-ended-2026-01) Every change, dated: https://getbrief.cards/changes --- Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page. All cards: https://getbrief.cards/cards Canonical: https://getbrief.cards/cards/au-altura-plus