Altura Plus Credit Card
A ₹499 card that mixes cashback and points: 1.5% cashback on in-store spends up to ₹100 a statement cycle, then 1 point per ₹100, and 2 points per ₹100 online; points are valued at ₹0.25. Every figure below is copied from AU Small Finance Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹499 plus GST Product page |
|---|---|
| Annual fee | ₹499 plus GST Product page |
| Annual fee waiver | On ₹80,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.49% of the transaction, plus GST Terms |
| AU charges the first year's ₹499 fee 90 days after card set-up unless ₹20,000 of retail spend is made in those 90 days; from the second year it is waived on ₹80,000 of retail spend in the previous card anniversary year. | |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points, ₹0.25 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Online spends | 2 points per ₹100 Product page | no cap on record |
| Utility and telecom bills (up to 100 points a transaction; BBPS bills earn nothing) | 1 point per ₹100 Product page | no cap on record |
| Insurance premiums | 1 point per ₹100 Product page | no cap on record |
| In-store (POS) spends once the cashback cap is reached, and other retail spends | 1 point per ₹100 Product page | no cap on record |
In-store spends first earn 1.5% cashback, up to ₹100 a statement cycle, and only then 1 point per ₹100. CardWise's calculation counts only the points, so it understates this card by up to ₹100 a statement cycle. Cash, EMI, BBPS and quasi-cash transactions earn nothing.
No rewards on
- Rent Product page
- Education and government payments Product page
- Fuel Product page
- Transportation merchant codes, which include railways (MCC 4112), from 1 Apr 2026 Product page
Benefits
- Lounges: 8 railway station lounge visits a year Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹100 a statement month Fee schedule
- Milestone: 500 bonus points in a calendar month with ₹20,000 of retail spend Product page
Also on this card
Quoted from AU Small Finance Bank; not counted in the net value.
- 1.5% cashback on in-store spends, up to ₹100 a statement cycle Product page
- Complimentary device protection plan on mobiles and electronics bought with the card Product page
Eligibility
- Salaried: age 21 to 60 Product page
- Salaried: age 21 to 60 Product page
- Self-employed: age 25 to 65 Product page
- Self-employed: age 25 to 65 Product page
- Resident Indian Product page
- Salaried or self-employed Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by AU Small Finance Bank in the documents read
- the card network
- a welcome benefit
- airport lounge access
Where AU Small Finance Bank’s documents differ, and what is used
- Point value: the Altura Plus page gives no rupee value; CardWise uses AU's general FAQ figure, which AU writes as '0.25 paise' but which can only mean ₹0.25 (25 paise).
The quotes behind the figures
28 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“- Annual Membership Fee: ₹499 + GST”
“18% applicable on all fees, interest & charges.”
“- For 2nd year onwards fee waiver - ₹80,000 retail spends done in previous card anniversary year”
“Altura, Altura Plus, LIT, Business Cashback, InstaPay, AU SPONT, SwipeUp - Xcite Series of Cards - 3.49%”
“Value of 1 Reward Point is 0.25 paise for all categories excluding E-vouchers where the value for 1 Reward Point is 0.20 paise.”
“2X Reward Points (i.e. 2 Reward Points per ₹100 retail spends) for all your online transactions.”
“1 Reward Point per ₹100 spend on Utility & Telecom and Insurance category spends.”
“1 Reward Point per ₹100 retail spends (except fuel) on POS, after your reach the maximum cashback limit.”
“Note: Cash, Rent, Education & Govt, EMI, Fuel, BBPS and Quasi Cash transactions are not eligible for Reward Points and cardholders will earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends.”
“Transportation (4011, 4111, 4112, 4121, 4131, 4411, 4582, 4784, 4789, 5561, 7523)”
“With effect from 1 st April 2026, Reward Points accrual on Transportation Merchant Category Codes will be discontinued.”
“- For 1st year fee waiver - ₹20,000 retail spends done within 90 days of card set up”
“Annual Card fee is charged in subsequent statement after 90 days completion of card set up date, in case retail spends based fee waiver condition is not met.”
“Credit Card Variant Altura, Altura Plus, LIT, Business Cashback, InstaPay, AU SPONT, SwipeUp-Xcite Series of Cards, AU KOSMO, Vetta, Prathama, Tejas, Laksya, Ananta, CheQ, Paytm AU, AU Zaggle, Zenith AU CA, AU CS Zenith+, NOMO, Traverse (NRI) ixigo AU Currency Markup Charges 3.49%”
“Maximum cashback per statement cycle is ₹100”
“Enjoy 1% Fuel Surcharge Waiver (up to ₹100) for transactions between ₹400 and ₹5,000 at all fuel stations across the country”
“A nominal fees of INR 99 + GST will be levied on each successful redemption.”
“Travel In Leisure with 8 complimentary railway lounge access every year.”
“(a) 1% fuel surcharge refunded for transactions between ₹ 400 to ₹ 5,000 for below cards:”
“Altura, Altura Plus, Business Cashback, AU SPONT, NOMO,SwipeUp - Xcite Series of Cards, AU KOSMO, Prathama, Tejas, Vetta, Paytm AU, AU Zaggle, Zenith : Maximum of ₹ 100 per statement month.”
“Get 500 Bonus Reward Points on retail spends* of ₹20,000 or more in a calendar month”
“1.5% Cashback on offline spends”
“Free insurance and extended warranty on mobile and electronic purchases.”
“Salaried: 21 years to 60 years”
“Self Employed: 25 years to 65 years”
“- Resident Indian”
“Both salaried and self-employed individuals”
“Altura+ Credit Card Multiply Rewards. Multiply Luxury. Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with AU Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is AU Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology