AU Bank Altura Plus Credit Card Review (2026)
Quick verdict: The AU Bank Altura Plus Credit Card is best for low-fee everyday cashback. It earns 1.5% cashback + 2X online, with an annual fee of Rs 499 (waiver on Rs 80,000 spend). Hold it if its strongest category matches where you spend the most, and always pay the full bill to keep the rewards worthwhile.
Overview
The AU Bank Altura Plus is a low-fee everyday card that pays a flat 1.5% cashback on POS swipes and doubles reward points on online spends.
With railway lounge access and an easy fee waiver, it is a sensible budget card for steady everyday spenders, though the cashback is capped per cycle.
Fees & Charges
| Joining / annual fee | Rs 499 + GST (waived on Rs 80,000 spend) |
| POS cashback | 1.5% (capped Rs 100 per statement cycle) |
| Online reward | 2 reward points per Rs 100 |
| Base reward | 1 reward point per Rs 100 (after cashback cap) |
| Joining fee waiver | Rs 20,000 retail spend within 90 days of card set-up |
| Fuel surcharge | 1% waiver on transactions of Rs 400–5,000, up to Rs 150 |
| Railway lounge | 8 complimentary visits/year |
Rewards & Benefits
- 1.5% cashback on merchant (POS) swipes, capped at Rs 100 per statement cycle.
- 2 reward points per Rs 100 on online transactions.
- 1 reward point per Rs 100 on retail spends after the cashback cap is reached.
- 8 complimentary railway lounge visits a year.
- 1% fuel surcharge waiver across India on transactions between Rs 400 and Rs 5,000, capped at Rs 150.
- Card liability cover against fraudulent transactions, and free add-on cards.
Pros & Cons
Pros
- Flat 1.5% cashback on POS spends
- 2X rewards on online spends
- Railway lounge access
- Low fee, waived on Rs 80,000 spend
Cons
- Cashback capped at Rs 100 per cycle
- No airport lounge access
- Modest rewards after the cap
- Best for low-to-moderate spenders
Who Should Get This Card?
- Budget users wanting simple cashback
- People with steady everyday POS spends
- Anyone seeking a low-fee starter card
Ready to apply?
Applications are processed on the issuer’s official, secure website.
Apply for AU Bank Altura Plus Credit Card →Frequently Asked Questions
How much cashback does the Altura Plus give?
1.5% on POS merchant swipes, capped at Rs 100 per statement cycle, plus 2X reward points on online spends.
Is there lounge access?
Yes, 8 complimentary railway lounge visits a year, though no airport lounge access.
How is the fee waived?
The Rs 499 fee is waived on Rs 80,000 of annual spend, and the joining fee is waived on Rs 20,000 spend within 90 days.
How to Get the Most from the AU Bank Altura Plus Credit Card
- Use it where it is strongest — low-fee everyday cashback — where it earns 1.5% cashback + 2X online; route other spends to a card that rewards them better.
- Always pay the full statement balance by the due date so interest never eats your rewards.
- Track the fee and its waiver (Rs 499 (waiver on Rs 80,000 spend)) and aim to cross the waiver spend if the card is worth keeping.
- Redeem rewards regularly through the highest-value option so points or cashback never lapse.
- Set up auto-pay, transaction alerts and sensible online/international limits in the issuer’s app.
Eligibility & Documents
Exact criteria depend on AU Small Finance Bank and the card variant, but for the AU Bank Altura Plus Credit Card you will usually need:
- Age: generally 18–65 years.
- Income: a stable salaried or self-employed income; entry cards often start around ₹15,000–₹25,000 a month, while premium variants need more.
- Credit score: 700+ helps, and 750+ unlocks the best terms and limits.
- Documents: PAN (mandatory), an address proof (Aadhaar/passport/utility bill), income proof (salary slips, Form 16 or ITR) and a photograph.
Existing AU Small Finance Bank customers, and applicants with a clean repayment history, typically see faster approval and higher starting limits.
How Rewards Work & Redemption
This card earns 1.5% cashback + 2X online. To judge its real value, look past the headline rate to what each reward is actually worth on redemption — cashback is credited at face value to your statement, while points and miles vary by how you redeem them (vouchers, catalogue products, statement credit, or airline/hotel transfers, which usually give the best value). Redeem before any expiry, and remember that fuel, rent, wallet loads and government payments are commonly excluded from rewards.
Plan Smarter With Free Tools
Get more out of this card with our free, no-login calculators and guides:
- EMI Calculator — work out the real cost before converting a big purchase to EMI.
- Interest Calculator — see how much revolving a balance actually costs you.
- Finance Glossary — plain-language definitions of APR, billing cycle, utilisation and more.
- Learn — quizzes, flashcards and guides to sharpen your money skills.
- Compare all 70 cards — see how this card stacks up against the rest.
Still comparing? Look at these related cards, or browse the full best credit cards in India guide and comparison table:
- Axis Bank ACE Credit Card — Bill payments & cashback
- HDFC Millennia Credit Card — Online cashback all-rounder
- Standard Chartered Smart Credit Card — Simple online cashback
- HDFC MoneyBack+ Credit Card — Entry online cashback
- HDFC PIXEL Play Credit Card — Customisable digital cashback
Important: Information is for general guidance only, not financial advice, and was verified in June 2026. Card fees, reward rates and benefits change often — confirm the latest terms on the issuer’s official website before applying.