AU Bank Altura Plus Credit Card
Updated 15 Apr 2026Source-linked
The AU Bank Altura Plus Credit Card is a entry credit card from AU Small Finance Bank, with a joining fee of ₹499 + GST.
It earns up to 2% back on merchant categories spends in the form of cashback.
Cardholders get 2 quarterly domestic airport lounge access, plus 500 bonus reward points as a welcome benefit.
AU Bank Altura Plus Credit Card
- Joining Fee₹499
- Annual Fee₹499
- Best Suited ForCashback
- Reward TypeCashback
Rewards Rate
- 2% on merchant categories (cap 500 cashback inr / monthly)
- Base 1.50% on other spends
Welcome Benefits
- 500 bonus Reward Points
AUplatinumentryRewards and Benefits
Rewards Rate
2% on merchant categories (cap 500 cashback inr / monthly)
Base 1.50% on other spends.
Reward Redemption
Redeem at ₹1 per unit.
Welcome Benefits
500 bonus Reward Points
Milestone Rewards
N/A
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.49%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹100 per monthly.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- entry card issued by AU Small Finance Bank.
- Joining / annual fee of ₹499 + GST, waived on annual spends of ₹1,00,000.
- Available on the RuPay network.
- Complimentary airport lounge access: domestic (2/quarterly).
Pros & Cons
Pros
- Annual fee waivable on ₹1,00,000 spend.
- Strong base reward rate of 1.50%.
- Complimentary domestic airport lounge access (2/quarterly).
Cons
- No rewards on fuel spends.
₹125 welcome benefit
- 500 bonus Reward PointsJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 2% on merchant categories (cap 500 cashback inr / monthly)2% cashback on Grocery, Dining and Departmental store spends.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- emi
Airport lounge access
Domestic
2 visit(s) / quarterly. Via rupay.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹100 per monthly.
Sources
- : www.aubank.in · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 700+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.