AU Small Finance BankAU Bank Altura Plus Credit Card
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AU Small Finance Bank
AU Bank Altura Plus Credit Card
3.9 / 5visa · mastercard
- Joining fee
- ₹499
- Annual fee
- ₹499
- Base reward
- 1.5%
- Min income
- —
- Forex markup
- 3.49%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Everything else | 1.5% | ₹100 |
| Online shopping | 0.5% | Uncapped |
| Utilities & bills | 0.25% | Uncapped |
Benefits
- ▸1.5% cashback on POS retail spends (cap Rs 100/cycle), then 1 RP per Rs 100
- ▸2X Reward Points (2 RP per Rs 100) on online transactions
- ▸1 RP per Rs 100 on utility, telecom and insurance spends
- ▸No cashback/points on fuel; 1% fuel surcharge waiver on Rs 400-Rs 5,000 transactions
The good
- + 1.5% flat cashback on POS retail spends at a low Rs 499 fee
- + Fee easily waived (Rs 20,000 first year / Rs 80,000 thereafter)
- + Railway lounge access included
The catch
- − POS cashback capped at Rs 100 per cycle; online/utility earn far weaker (points-based)
- − No airport lounge access; railway lounges only
- − High 45% APR and 3.49% forex markup
- − Reward Point value not officially fixed; effective online/utility returns are estimates