AU Small Finance Bank

AU Altura Plus Credit Card

Data last verified: 11 October 2026

CashbackRUPAY

Joining fee₹499 + GST
Annual fee₹499 + GST
Reward rate1.5% on most spends

Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.

Joining fee₹499 + GST
Annual fee₹499 + GST
Fee waiverOn ₹80,000 spend a year
Forex markup3.49%
Interest (APR)3.75% a month, 45% a year
Fuel surcharge waiver1%
Fuel waiver cap₹100 a month

The Altura Plus gives 1.5% cashback when you pay at shops and outlets, capped at Rs 100 a month. Online spends earn 2X reward points, about 0.5%, and utility and insurance payments earn about 0.25%. Spend Rs 20,000 in a calendar month and you get 500 bonus points. You also get 2 railway lounge visits a quarter.

It costs ₹499 a year and the fee is waived once you spend ₹80,000 in the year, about Rs 7,000 a month.

It suits people who pay by card at local stores more than online. The catch is the Rs 100 monthly cashback cap, which you hit at about Rs 6,700 of in-store spend.

Best for: People who shop at local stores, Moderate monthly spenders, Train travellers.

01AU Altura Plus Credit Card Rewards and Benefits

Rewards rate: 1.5% on most spends
Fee waived on: ₹80,000 spend a year
Reward redemption: Not published
Dining: 1.5% back (the normal rate)
Travel: 1.5% back (the normal rate)
Golf: Not included
Domestic lounge: Not included
International lounge: Not included
Insurance benefits: Not included

02AU Altura Plus Credit Card Annual Fee and Charges

Joining fee: ₹499 + GST
Annual fee: ₹499 + GST
Spend-based waiver: Annual fee waived on ₹80,000 spend in a year (rent and wallet loads not counted)
Rewards redemption fee: Nil
Forex markup: 3.49%
Interest rate: 3.75% a month (45% a year)
Fuel surcharge waiver: Yes, up to ₹100 a month
Card replacement: Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

₹20,000 on everything else, earning 1.5% capped₹100
Back each month, ₹1,200 a year₹100
Annual fee with 18% GST (waived at this spend)₹0
In your pocket each year₹1,200

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

Spending ₹6,667 or more a month: the ₹589 fee is waived

Skip it if…

you spend less than ₹6,667 a month (₹80,000 a year, rent and wallet loads not counted): the ₹589 fee is then charged
most of your spending is fuel, rent, education or government payments: those earn nothing on this card
you often pay in foreign currency: 3.49% is added to every foreign spend
you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward

04Product Details

Joining and annual fee: ₹499 each
Fee waived on ₹80,000 annual spend
1.5% cashback on in-store spends, up to ₹100 a month
2X points on online spends, about 0.5%
500 bonus points on ₹20,000 spend in a calendar month
8 railway lounge visits a year

05Pros and Cons

Pros

Cashback on in-store spends
Reachable fee waiver
Monthly milestone bonus
Railway lounge access

Cons

Cashback capped at ₹100 a month
Low rewards on online spends
3.49% forex markup

06How AU Altura Plus Credit Card earns Rewards

1.5% on most spends. The normal rate is capped at ₹100 a month.

Earns nothing onRentEducationGovernmentEMIFuelCash withdrawalsBBPSQuasi-cashTransportation MCCs (Apr 2026)

Spend category	Rate	Monthly cap	Where it applies
UPI payments (scan and pay)	1.5%	No cap	The card's normal rate
Online shopping	0.5%	No cap	All merchants in the categoryTerms: 2X reward points (2 per ₹100) on online spends
Dining and food delivery	1.5%	No cap	The card's normal rate
Groceries	1.5%	No cap	The card's normal rate
Travel: flights, hotels, trains	1.5%	No cap	The card's normal rate
Fuel	Earns nothing	-	earns nothing on this card
Bills and recharges	0.25%	No cap	All merchants in the categoryTerms: 1 reward point per ₹100 (~0.25%) on utility and telecom spends, max 100 reward points per transaction; these spends do not earn the offline cashback
Rent	Earns nothing	-	earns nothing on this card
Insurance premiums	0.25%	No cap	All merchants in the categoryTerms: 1 reward point per ₹100 (~0.25%) on insurance spends, these do not earn the offline cashback
School and college fees	Earns nothing	-	earns nothing on this card
Wallet top-ups	1.5%	No cap	The card's normal rate
Taxes and government payments	Earns nothing	-	earns nothing on this card
Spend abroad or in a foreign currency	1.5%	No cap	The card's normal rate
Everything else	1.5%	No cap	The card's normal rate

Listed underCashback cards Rewards cards

CardAdvisor tagsCashbackReward points

Terms on the base rate. 1.5% cashback on offline retail spends, capped ₹100 per statement cycle; beyond the cap, offline POS spends earn 1 reward point per ₹100 (except fuel)

07AU Altura Plus Credit Card Travel Benefits

Railway lounges: 8 visits a year. Spending abroad carries a 3.49% forex markup; rewards on it: 1.5% back (the normal rate). See what it costs on your trip

Also on the card. fuel surcharge waiver, milestone bonuses.

Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹100 per statement cycle since 1 October 2026 (₹150 before)
Milestone bonuses: 500 bonus reward points on retail spends of ₹20,000 or more in a calendar month, annual equivalent up to ~₹1,500 in points if hit monthly; fuel spends and cash withdrawals do not count toward the threshold

08AU Altura Plus Credit Card Eligibility and Documents

Age: 21 to 65 years
Employment: Salaried or self-employed

Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph

09Recent Changes

What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.

Date	Change	Before	Now
1 Oct 2026	Reduced: Fuel surcharge waiver cap cut from ₹150 to ₹100 a monthSource: AU Small Finance Bank	1% waiver, capped at ₹150 per statement month	1% waiver, capped at ₹100 per statement month
1 Jul 2026	Reduced: Fuel fair-usage terms tightened, trigger halved, levy on the whole aggregateSource: AU Small Finance Bank	1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000	1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
14 Jun 2026	Reduced: New 1% fair-usage charge on transportation spendsSource: AU Small Finance Bank	No transportation fair-usage charge	1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower
10 Apr 2026	Reduced: Transportation spends stop earning rewardsSource: AU Small Finance Bank	Transportation spends earned cashback/points	No rewards on transportation MCCs
15 Aug 2024	Reduced: Fair-usage charges on fuel and utility spends	No fair-usage fee	1% fee above threshold (+18% GST)

See all 6 changes on this card → · All card changes in October 2026 →

10Cards Similar to AU Altura Plus Credit Card

AU Altura Plus Credit Card is a cashback card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	AU Altura Plus Credit Card	HSBC Live Plus Credit Card	Kiwi Credit Cards
Joining fee	₹499 + GST	₹999 + GST	Lifetime free
Annual fee	₹499 + GST	₹999 + GST	Lifetime free
Rewards	1.5% on most spends	1.5% base, up to 10% on dining	1% base, up to 1.5% on UPI payments
Domestic lounge	Not included	2 visits a year	Not included
Forex markup	3.49%	1.99%	3.5%
Type	Cashback	Dining	Cashback

Compare with HSBC Live Plus Credit Card Compare with Kiwi Credit Cards

11Explore More

All AU Small Finance Bank productsEvery card, loan and account from AU Small Finance Bank on SkyloFin Cashback credit cardsEvery cashback card, compared All credit cardsFilter by issuer, category and fee Rewards calculatorWhat this card would earn on your spending Interest calculatorWhat carrying a balance really costs Track this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 11 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Already Have a Credit Card?

Track your card spending with SkyloFin - Expense Tracker. Statements, due dates and every spend, read from your bank SMS on your own phone.

Get the App

Common Questions

Is the ₹499 fee waived?

Yes, once you spend ₹80,000 in a year. Below that the fee plus GST is charged.

How much cashback do I get?

1.5% on in-store card payments, up to ₹100 a month.

What is the joining fee for the AU Altura Plus Credit Card?

The joining fee is ₹499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the AU Altura Plus Credit Card?

The annual fee is ₹499 + GST.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

AU Altura Plus Credit CardJoining fee: ₹499 + GST

Apply Now

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides