AU Altura Plus Credit Card
AU Small Finance Bank logo

AU Small Finance Bank

AU Altura Plus Credit Card

Mastercard
Regular

Your rating

Community rating

Best for AU entry-level card — milestone cashback on ₹10K, ₹20K, ₹40K monthly spends

Joining Fee

₹499

Annual Fee

₹499

Reward Rate

1% – 2%

Forex Markup

3.49%

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Key Benefits

2 Reward Points per ₹100 on retail spends
5X Reward Points on dining, travel, and departmental store spends
4 complimentary domestic airport lounge visits per year
₹500 brand voucher as welcome benefit on first spend within 60 days
Annual fee waiver on ₹1 lakh annual spends
1% fuel surcharge waiver on ₹400–₹5,000 fuel transactions

Rewards

How you earn back on every swipe

hybrid

Reward type

1% – 2%

Earn rate

2

Points / ₹100

₹0.25

Per point

₹100

Monthly cap

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹499
Annual fee₹499
Fee waiver on annual spend₹80,000
Interest-free period50 days
Interest rate (APR)45%
Late payment fee (max)₹1,300
Cash advance fee2.5% (min ₹500)
Over-limit fee2.5%
Forex markup3.49%
Fuel surcharge waiverYes (₹400–₹5000)

Travel & Lounge Access

Airport perks included with this card

0 per quarter

Domestic lounge visits

0 per year

International lounge visits

Things to Keep in Mind

  • fuel surcharge waiver not applicable on LIT card
  • fuel and cash withdrawal excluded from bonus reward points
  • cash, rent, education, govt, EMI, BBPS and quasi-cash excluded from rewards

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 65

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Good entry-level lifestyle credit card
  • Useful accelerated rewards on dining and travel
  • Domestic lounge access adds decent value
  • Low annual fee with achievable waiver milestone
  • Welcome voucher offsets first-year fee effectively
  • Reward structure is simple and beginner-friendly
  • Good for moderate everyday spenders
Cons
  • Reward redemption value is average
  • No international lounge access
  • Forex markup is high for international spends
  • Best rewards limited to selected categories
  • Limited premium travel and lifestyle benefits
  • Reward exclusions apply on fuel, wallet loads, rent, and EMI transactions
  • Weaker overall value compared to top cashback cards

Who is this card for?

Regular spenders looking for milestone cashback rewards from AU Small Finance Bank. Best for those who consistently spend ₹10,000–₹40,000/month and want predictable cashback in return.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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