AU Bank Altura Plus Credit Card
AU Small Finance Bank · Visa · Entry card
It suits users whose spending is mostly in physical stores and who can clear the ₹80,000 waiver threshold.
Offline retail shoppers seeking a low-fee cashback card.
Terms checked 24 Sept 2026
- Annual fee
- ₹499 + GST
- Joining fee
- ₹499 + GST
- Base reward rate
- 0.3%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.5% |
| Groceries & essentials | 0.3% |
| Dining & delivery | 0.3% |
| Travel & hotels | 0.3% |
| Bills & utilities | 0.3% |
| Beauty & wellness | 0.3% |
| Entertainment & movies | 0.3% |
| Education & family | 0.3% |
| Healthcare & pharmacy | 0.3% |
| Subscriptions & streaming | 0.3% |
| Offline store shopping | 0.3% |
| International spending | 0.3% |
| Gold & jewellery | 0.3% |
| Insurance premiums | 0.3% |
| Other miscellaneous | 0.3% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹80,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 7 items
Online reward points
Usage-based valueTwo reward points per ₹100 on eligible online purchases.
Utility, telecom and insurance points
Usage-based valueOne point per ₹100; utility points are additionally limited to 100 points per transaction, which the aggregate profile cannot automatically evaluate.
Conservative other-spend points
Usage-based valueOne point per ₹100, including the conservative post-cashback-cap rate for point-of-sale spend.
1.5% cashback on eligible point-of-sale purchases until AU’s undisclosed maximum cashback limit; not included in ranked value
Shown without a cash value1.5% cashback on eligible point-of-sale spend up to an issuer-set ceiling
Shown without a cash valueTwo reward points per ₹100 on eligible online purchases
Shown without a cash value500 bonus points after ₹20,000 eligible monthly spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹499₹499 annual fee before applicable tax.
Joining fee
Cost ₹499₹499 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹499Annual fee may be waived after ₹80,000 of eligible annual spending.
Conditions: Reach ₹80,000 eligible annual spending
Spend milestones · 1 item
500 points after ₹20,000 eligible calendar-month spend
500 reward unitsUnlocked after ₹20,000 of eligible spending.
Conditions: Reach ₹20,000 per calendar month
Airport lounge access · 2 items
Eight participating railway-lounge visits yearly, capped at two per quarter
Shown without a cash valueEight railway-lounge visits yearly
Shown without a cash value
Insurance and protection · 2 items
Card Liability Cover
Shown without a cash valueDevice Protection Cover
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.49% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. AU does not publish a universal numeric income threshold for Altura Plus.
Other benefits · 3 items
1% fuel-surcharge waiver on ₹400-₹5,000 fuel transactions, capped at ₹150 per statement cycle through September 2026
Shown without a cash valueFirst-year fee waiver after ₹20,000 eligible retail spend within 90 days
Shown without a cash valueFree add-on cards and zero processing fee on eligible Xpress EMI
Shown without a cash value
Other categories (9)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Welcome benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 1.5% cashback on eligible point-of-sale spend up to an issuer-set ceiling
- ✓ Two reward points per ₹100 on eligible online purchases
- ✓ 500 bonus points after ₹20,000 eligible monthly spend
- ✓ Eight railway-lounge visits yearly
What to watch
AU does not publish the current 1.5% cashback ceiling on the product page, so the engine conservatively values offline spend at the post-cap one-point rate. Railway lounges are not airport lounges.
Recorded exclusions
Fuel Commute · Rent · Education Family · Government payments · Wallet load · Quasi cash · Transportation · Cash withdrawal · Emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Fuel-waiver cap scheduled to reduce
AU has published a lower statement-cycle fuel-surcharge-waiver cap for Altura Plus.
- Before
- The waiver is capped at ₹150 per statement cycle through September 30, 2026.
- After
- The waiver is capped at ₹100 per statement cycle from October 1, 2026.
Checked 24 Sept 2026AU Altura Plus current product notice ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026 · Latest recorded change effective 1 Oct 2026