AU Bank Altura Plus Credit Card
AU Small Finance Bank · Mastercard
Why this card?
- 1.5% cashback on eligible spends
- ₹499 joining and annual fee; renewal fee waived on ₹80,000 yearly spend
- 8 domestic airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- AU Small Finance Bank
- Network
- Mastercard
- Annual Fee
- ₹499
- Joining Fee
- ₹499
- Reward Type
- cashback
- Best Reward Rate
- 1.5% on all eligible spends
- Forex Markup
- 3.49%
- Domestic Lounge
- 8/yr
- Min. Monthly Income
- ₹20,000
- Rates verified
- 2026-10-06
Our verdict
AU Altura Plus is a step up from the base Altura — 1.5% cashback on offline retail spends (up to ₹100 per statement cycle) and 8 railway lounge visits a year at ₹499 (waived at ₹80,000 spend). Online spends earn reward points only, about 0.5% back. It suits regular in-store spenders who also want occasional railway lounge access.
Pros
- 1.5% cashback on offline retail spends, up to ₹100 per statement cycle
- 8 railway lounge visits per year at a ₹499 fee point
- Fee waiver at ₹80,000 annual spend from the second year
- 500 bonus reward points on ₹20,000 retail spend in a calendar month
Cons
- No airport lounge access — visits are at railway lounges
- After the ₹100 per cycle cap, earn drops to about 0.25% back as points
- 3.49% forex markup — not for international travel
- AU Small Finance Bank has lower brand recognition than PSU/private large banks