AU Small Finance Bank
AU Altura Plus Credit Card
Annual Fee
₹589₹499 + GSTBase Reward
1.5% cashback
Foreign Markup
3.49% on all foreign currency spends.
Product Highlights
- 1.5% cashback on retail spends at merchant outlets.
- Unlimited reward points with no maximum cap.
Category Rewards
Specialty
2X RP on online spends
0.5%
utilities
1 RP per ₹100 utility/telecom/insurance
0.25%
Specialty
1 RP per ₹100 utility/telecom/insurance
0.25%
Specialty
1 RP per ₹100 utility/telecom/insurance
0.25%
Fee Waiver
Spend Rs. 80,000 in a card anniversary to waive the annual charges
Reward Calculator
Earns ₹131/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
2.9K
AU Reward Points
₹720
via standard · ₹0.25/pt
Effective rate
0.38%
Annual fee
₹589
Year 1 net
+₹131
Year 2+ net
+₹131
ongoing
Adjust your spend by reward bucket
3 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per month · You spend ≈ ₹50K
500 bonus RP
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
cash, rent, education, government, emi, fuel, bbps, quasi cash
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
1.5% cashback on all POS retail spends, 2 Reward Points on every Rs. 100 spent on online purchases, 500 bonus Reward Points on achieving the milestone spend of Rs. 20,000 in a calendar month.
Redemption
1 Reward Point = Re. 0.25
Benefits & Features
Domestic: 2 complimentary visits per quarter (Available at Kolkata, Ahmedabad, Jaipur, New Delhi, Madurai, and Agra.) Complimentary visits can be availed by primary as well as add-on cardholders.
Pros & Cons
Pros
- You get free railway lounge access with this card.
Cons
- There isn’t any airport lounge access provided with this card.
Additional Info
Important note regarding cashback limits and reward points.
Maximum cashback per statement cycle is capped at Rs. 100.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Min Age
21 yrs
Networks
Fee Waiver
Spend Rs. 80,000 in a card anniversary to waive the annual charges