The AU Altura Visa Credit Card is designed for cashback on daily spending. It features 2% cashback on groceries, departmental stores and utility bills and 1% cashback on other retail spends. Get 8 complimentary annual railway lounge visits. Milestone Cashback: Get an additional Rs 50 cashback on a minimum retail spend of Rs 10000 in every statement cycle. Get a Complimentary Device Protection Plan. Free insurance and extended warranty on mobile and other electronic purchases. Apply today and earn extra GP Rewards.