AU Bank Altura Plus Credit Card Review
The AU Bank Altura Plus is an entry card that mixes cashback on in-store spends with reward points online. It has a ₹499 fee that is easy to waive and includes railway lounge visits and device protection.
The in-store cashback is capped at ₹100 a statement cycle, so the card’s headline 1.5% applies only to the first ₹6,667 or so of offline spending each month.
- 1.5% cashback on in-store retail
- Fee waived on ₹20,000 in 90 days (year one) and ₹80,000 a year after
- 500 bonus points on ₹20,000 monthly spend
- 8 railway lounge visits a year
- Free device protection
- In-store cashback capped at ₹100 a cycle
- Low reward rate online (2 points per ₹100)
- Utility and telecom points capped at 100 per transaction
- Long exclusion list, including transport
- Fuel waiver capped at ₹100
Fees and charges
| Item | Detail |
|---|---|
| Annual fee | ₹499 + GST |
| First-year waiver | ₹20,000 retail spend within 90 days |
| Renewal waiver | ₹80,000 in the previous card year |
| Add-on cards | Free |
| Interest | 3.75% a month |
| Fuel surcharge waiver | 1% on ₹400–₹5,000, up to ₹100 |
Rewards: how the card earns
| Spend | Earn |
|---|---|
| In-store retail | 1.5% cashback, up to ₹100 per statement cycle; then 1 point per ₹100 |
| Online | 2 points per ₹100 |
| Utility, telecom, insurance | 1 point per ₹100 (utility and telecom capped at 100 per transaction) |
| Monthly milestone | 500 bonus points on ₹20,000 retail spend in a calendar month |
What earns nothing
Cash, rent, education, government, EMI, fuel, BBPS bill payments, quasi-cash and (since 1 April 2026) transport spends earn no points.
Other benefits
| Benefit | Detail |
|---|---|
| Railway lounges | 8 visits a year |
| Device protection | Free cover for mobile and other devices |
| Card liability | Zero liability on lost card after reporting |
| Fuel | 1% surcharge waiver, up to ₹100 |
Eligibility
Issuer
AU Small Finance Bank
Age
Salaried 21–60; self-employed 25–65
Residency
Resident Indian
Documents
PAN, Aadhaar, income proof
Who this card is for
- Good fit: first-card users who spend around ₹20,000 a month and want an easy fee waiver.
- Skip if: you want a high cashback rate — the ₹100 cap limits the 1.5%.
Alternatives worth comparing
Final verdict
A decent entry card that is easy to make free, with railway lounges and device protection as extras. The capped cashback means it will not compete with dedicated cashback cards for bigger spenders.
Frequently asked questions
What is the Altura Plus annual fee?
₹499 + GST, waived in year one on ₹20,000 spend within 90 days and afterwards on ₹80,000 a year.
How much cashback does it give?
1.5% on in-store retail spends, capped at ₹100 per statement cycle.
What is the monthly milestone?
500 bonus points when you spend ₹20,000 on retail in a calendar month.
Does it have lounge access?
8 railway lounge visits a year; no airport lounges.
Who can apply?
Salaried applicants aged 21–60 or self-employed aged 25–65.
Last verified: October 2026, against AU Small Finance Bank’s Altura Plus page and schedule of charges. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.