AU Small Finance BankAU Altura Plus Credit Card
The AU Altura Plus Credit Card is AU Small Finance Bank's entry-level rewards card with milestone-based cashback.
Top Category Performance
Beginner & Zero Fee (85/100)
Joining Fee
₹499
Annual Fee
₹499
Reward Rate (%)
1 – 2
Forex Markup
3.49%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
24/35
Fee Value & ROI
24/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
AU Altura Plus Credit Card Benefits
AU Altura Plus Credit Card 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
AU Altura Plus Credit Card 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.
AU Altura Plus Credit Card 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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹6,667/mo (₹80,004/yr), your ₹499 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
AU Altura Plus Credit Card Eligibility
Employment type
Pros & Cons
- 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
- 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
Data last updated 14 Aug 2026
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More from AU Small Finance Bank
Calculate your exact earnings with AU Altura Plus Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.