AU Altura Plus Credit Card
AU Small Finance Bank · Open to apply
A low-fee card that pays 1.5% cashback on offline (POS) spends up to ₹100 a month, then 1 point per ₹100, and 2 points per ₹100 online. The ₹499 fee is waived on ₹20,000 of spend in the first 90 days and ₹80,000 a year after.
- Annual fee
- ₹499 + GST a year
- Joining fee
- ₹499 + GST
- Fee waiver
- Annual fee waived on ₹80,000 spend per card year
- Base rate
- Retail spends, 1 point per ₹100: 1 AU reward points per ₹100 (about 0.2% at cash value)
- Lounges
- Railway: 8 visits a calendar year
- Forex markup
- 3.49%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- Offline (POS) spends, 1.5% cashback up to ₹100 a statement month: 1.5% cashback (about 1.5% at cash value)
- Online spends, 2 points per ₹100: 2 AU reward points per ₹100 (about 0.4% at cash value)
Earns nothing on
- No points or cashback on cash, rent, education, government, EMI, fuel and tolls
- No points on railways (transportation)
Terms the calculator does not value
- Cashback is ₹100 a statement month at most on offline spends and the page does not say whether the cap also covers other cashback; the calculator applies it to offline spends only. Cashback beyond the cap earns the 1 point per ₹100 base.
- Local commute (MCC 4111) and BBPS bill payments earn nothing but have no category here and are valued at the base rate.
- The value of a point beyond gift cards (₹0.20 from the 2023 notice) is not stated.
Sources
- AU Small Finance Bank: Altura Plus credit card page (Product page, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank MITC with schedule of charges, version 2.23 (2 Nov 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- AU Small Finance Bank Key Fact Statement V-1.9 (2 Nov 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank Credit Card Member Agreement, section 22 Rewards program (16 May 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank notice, revision of reward points usage terms (2 June 2023) (Bank notice, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank revision of credit card usage terms (domestic lounge spend condition, Priority Pass), 10 April 2026 (Bank notice, the bank's own, read 6 Nov 2026)