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AU Small Finance Bank

AU Bank Altura Plus Credit Card

Verifying

Joining fee incl. GST: ₹589
Renewal fee incl. GST: ₹589
Conditional welcome value: —
Forex markup: 3.49%
Interest p.a.: 45%
Min income (salaried): —

How this card earns

Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.

Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.

What still needs confirmation

The current retrieved product page omits the numerical cashback ceiling; stored ceilings remain provisional. Utility per-transaction caps, BBPS and transportation classification are not modelled. Fee-waiver retail exclusions need detailed terms.

Spend category	Reward rate	Reward limit
Other eligible purchases 1.5% cashback on POS retail spends at merchant outlets, capped at Rs 100 per statement cycle; beyond the cap, 1 Reward Point per Rs 100 Monthly cap shown as the spend at which it binds: ₹100 cashback per cycle ÷ 1.5% ≈ ₹6,667 of spend.	1.5%	₹100 shared reward / monthCeiling needs confirmationThen 0.25% on eligible excess
Online shopping 2 Reward Points per Rs 100 on online transactions; approx 0.5% value-back assuming AU Reward Point approx Rs 0.25	0.5%	Unverified
Utilities & bills Utilities/telecom earn one point per ₹100, with at most 100 points per transaction; BBPS earns no points. Monthly input cannot establish per-transaction eligibility.	0.25%	Unverified
Insurance One point per ₹100; ₹0.25 per point is a comparison assumption.	0.25%	No category cap

Excluded from ordinary earning: Fuel, Rent, Education. Specific qualifying offers, if any, are listed above.

Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.

Fees & charges

Joining fee₹499

Annual fee₹499

Annual fee waiver1st year waived on Rs 20,000 retail spend within 90 days; 2nd year onwards waived on Rs 80,000 retail spend in the previous card anniversary year

Foreign currency markup3.49%

Finance charge (p.a.)45%

Fuel surcharge waiver1%, up to ₹150/mo

Spend milestones

Annual spend	Benefit	Value
₹2,40,000	500 bonus reward points on ₹20,000 eligible retail spending in a calendar month; ₹125 at the comparison valuation	₹1,500

Key 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
Eight complimentary railway lounge visits per year; these are not airport lounge visits.
Fuel-surcharge waiver ceiling falls from ₹150 to ₹100 per statement cycle on 1 October 2026. BBPS, education, government and transportation MCCs do not earn points.

What we like

+1.5% cashback on eligible offline spending within the applicable ceiling
+Fee easily waived (Rs 20,000 first year / Rs 80,000 thereafter)
+Railway lounge access included

What to watch

−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