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AU Small Finance Bank · RuPay · हिन्दी

AU Bank Altura Plus Credit Card: full review

The AU Altura Plus is a simple low-fee card for in-store spenders: 1.5% cashback on card-machine spends up to ₹100 a month, about 0.5% online, and a 500-point bonus on ₹20,000 a month. With the ₹499 fee easily waived, it suits modest everyday spending; heavy or online spenders will do better elsewhere.

Apply now ↗Annual fee: ₹499 + GST a year
Updated November 2026 · Terms checked by Prashant Parikh
AU SMALL FINANCE
RuPay
)))
ALTURA PLUS
ASHOK KUMAR
12/28
₹499 + GST a year (first year waived on ₹20,000 spend in the first 90 days; renewal waived on ₹80,000 spend in the previous card year)Annual fee
1.5% cashback on in-store (card machine) spends, capped at ₹100 a statement cycle, then 1 reward point per ₹100; 2 reward points per ₹100 on online spends (about 0.5%); 1 point per ₹100 on utility, telecom and insurance; 1 point = about ₹0.25Reward structure
8 railway lounge visits a year (no airport lounges)Lounge access

Key benefits of the AU Bank Altura Plus Credit Card

1.5% cashback on in-store spends at card machines, up to ₹100 a statement cycle (reached at about ₹6,700 a month); in-store spends beyond that earn 1 reward point per ₹1002 reward points per ₹100 on online spends (about 0.5%)500 bonus reward points when retail spends reach ₹20,000 in a calendar month (about ₹125)8 railway lounge visits a year1% fuel surcharge waiver on refuels of ₹400 to ₹5,000Free device protection plan on mobile and electronics bought with the cardRuPay card that links to UPILifetime free add-on cards
Apply now ↗ Min. income: Not published (age 21 to 60 salaried, 25 to 65 self-employed) · Credit score: Not published
Pros and cons
Pros
✓ Low ₹499 fee that most users can waive with ₹80,000 of yearly spend
✓ 1.5% cashback on in-store spends, paid as cashback rather than points
✓ Monthly ₹20,000 bonus adds about ₹1,500 a year if hit every month
✓ Links to UPI as a RuPay card
Cons
✗ Cashback is capped at ₹100 a cycle, so heavy in-store spenders earn mostly 0.25% beyond about ₹6,700 a month
✗ Online spends earn only about 0.5%
✗ No airport lounge access, only railway lounges
✗ 3.49% forex markup
Quick facts
Issuer AU Small Finance Bank
Network RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + GST a year (first year waived on ₹20,000 spend in the first 90 days; renewal waived on ₹80,000 spend in the previous card year)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹499
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 railway lounge visits a year (no airport lounges)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.49%
Interest rate 3.75% per month (45% a year)
Fee waiver First year: ₹20,000 spend within 90 days. Renewal: ₹80,000 spend in the previous card year
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Not published (age 21 to 60 salaried, 25 to 65 self-employed)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not published
SourceAU Small Finance Bank's Altura Plus card page and Most Important Terms and Conditions (30 Sep 2026); the ₹100 cashback cap, the ₹0.25 point value and the RuPay network are from independent reviews · Last checked November 2026
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Frequently asked questions
The annual fee for AU Bank Altura Plus Credit Card is ₹499 + GST a year (first year waived on ₹20,000 spend in the first 90 days; renewal waived on ₹80,000 spend in the previous card year). The joining fee is ₹499.
The main benefits of the AU Bank Altura Plus Credit Card are: 1.5% cashback on in-store spends at card machines, up to ₹100 a statement cycle (reached at about ₹6,700 a month); in-store spends beyond that earn 1 reward point per ₹100; 2 reward points per ₹100 on online spends (about 0.5%); 500 bonus reward points when retail spends reach ₹20,000 in a calendar month (about ₹125); 8 railway lounge visits a year; 1% fuel surcharge waiver on refuels of ₹400 to ₹5,000; Free device protection plan on mobile and electronics bought with the card; RuPay card that links to UPI; Lifetime free add-on cards.
1.5% cashback on in-store (card machine) spends, capped at ₹100 a statement cycle, then 1 reward point per ₹100; 2 reward points per ₹100 on online spends (about 0.5%); 1 point per ₹100 on utility, telecom and insurance; 1 point = about ₹0.25
AU Bank Altura Plus Credit Card is best for People who spend mostly in shops and restaurants and want a low-fee card with easy-to-waive renewal, cashback on everyday in-store spends and a monthly bonus. The AU Altura Plus is a simple low-fee card for in-store spenders: 1.5% cashback on card-machine spends up to ₹100 a month, about 0.5% online, and a 500-point bonus on ₹20,000 a month. With the ₹499 fee easily waived, it suits modest everyday spending; heavy or online spenders will do better elsewhere.
The minimum income requirement for AU Bank Altura Plus Credit Card is Not published (age 21 to 60 salaried, 25 to 65 self-employed). The bank does not publish a minimum credit score.
Yes, AU Bank Altura Plus Credit Card offers 8 railway lounge visits a year (no airport lounges).
AU Bank Altura Plus Credit Card charges a 3.49% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
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AU Bank Altura Plus₹499 + GST a year
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