MyFinCards
Altura Plus Credit Card

Joining Fee

₹499

Annual Fee

Rs. 499 (Reversed on annual spends of Rs. 0.8 Lakhs)

AU Small Finance Bank
Cashback
Rewards
Fuel
Best For: Offline shoppers seeking cashback, Online shoppers wanting bonus reward points, Commuters and rail travellers, Those who frequently refuel vehicles

Altura Plus Credit Card

Rewards Structure

Base Reward Rate

1.5% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹100 /statement_cycle

Pros

  • 1.5% cashback on offline retail spends
  • 2X Reward Points on online spends
  • 8 complimentary railway lounge accesses annually
  • 1% fuel surcharge waiver across India
  • Free device protection plan
  • Zero liability on fraudulent transactions
  • Free add-on cards
  • Low annual fee of ₹499

Cons

  • Cashback capped at ₹100 per statement cycle
  • Fuel transactions excluded from Bonus Reward Points and regular Reward Points
  • Cash, Rent, Education & Govt, EMI, BBPS and Quasi Cash transactions not eligible for Reward Points

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

1st year fee waiver requires ₹20,000 retail spends within 90 days of card setup

2nd year onwards fee waiver requires ₹80,000 retail spends in previous card anniversary year

Maximum cashback per statement cycle is ₹100

Maximum 100 Reward Points per transaction on Utility & Telecom spends

Fuel surcharge waiver only applicable for transactions between ₹400 and ₹5,000

Key Benefits & Features

Zero liability card cover against fraudulent transactions on lost card after reporting loss to the bank

Contactless card usage with pin-free payments at participating merchants for amounts up to ₹5,000

Eligibility Criteria

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYED

Notable Exclusions

Fuel transactions are not eligible for Reward PointsCash withdrawals are not eligible for Reward Points or Bonus Reward PointsRent, Education & Govt, EMI, BBPS and Quasi Cash transactions are not eligible for Reward Points

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Altura Plus Credit Card

The AU Small Finance Bank Altura Plus Credit Card is designed for individuals who want to maximise rewards across both online and offline spending. Built on the RuPay network with a joining and annual fee of ₹499, the card delivers meaningful value through a combination of cashback, reward points, and lifestyle benefits that cater to everyday spending habits. Cardholders earn 1.5% cashback on offline retail spends and 2X Reward Points on all online transactions, along with 1 Reward Point per ₹100 on offline spends once the cashback limit is reached. A monthly milestone bonus of 500 Reward Points is awarded when retail spends reach ₹20,000 or more in a calendar month. For frequent travellers, the card offers 8 complimentary railway lounge accesses per year, while commuters benefit from a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India. Beyond rewards, the Altura Plus Credit Card includes a complimentary electronic device protection plan covering mobile and electronic purchases, along with card liability cover against fraudulent transactions. Contactless payments are supported for amounts up to ₹5,000, and Xpress EMI options are available on transactions of ₹2,000 or more. Add-on cards can be issued at no additional cost, making this card a well-rounded choice for offline shoppers, online buyers, and daily commuters alike.

Expert Review

Our Verdict

Earn 1.5% cashback on offline spends & 2X rewards online with fuel waiver and railway lounge access.

Frequently Asked QuestionsAbout Altura Plus Credit Card

ELIGIBILITYWho is eligible to apply for the Altura Plus Credit Card?
To apply for the Altura Plus Credit Card, salaried individuals must be between 21 to 60 years of age, while self-employed individuals must be between 25 to 65 years of age. The applicant must be a Resident Indian. Add-on cardholders must be over 18 years of age. These criteria are indicative, and AU Small Finance Bank reserves the right to approve or decline any application.
FEESWhat are the joining and annual fees for the Altura Plus Credit Card?
The Altura Plus Credit Card comes with a joining fee of ₹499 + GST and an annual membership fee of ₹499 + GST. The first-year fee can be waived if you complete ₹20,000 in retail spends within 90 days of card setup. From the second year onwards, the annual fee is waived if you spend ₹80,000 or more in retail transactions during the previous card anniversary year.
REWARDSWhat cashback does the Altura Plus Credit Card offer on offline spends?
The Altura Plus Credit Card offers 1.5% cashback on offline retail spends. However, the maximum cashback is capped at ₹100 per statement cycle. Once you reach the cashback limit, you will earn 1 Reward Point per ₹100 on offline retail spends (excluding fuel) at POS terminals. Cash, Rent, Education & Government, EMI, Fuel, BBPS, and Quasi Cash transactions are not eligible for cashback.
REWARDSHow do Reward Points work on the Altura Plus Credit Card for online spends?
The Altura Plus Credit Card offers 2X Reward Points (i.e., 2 Reward Points per ₹100) on all online retail transactions. For Utility & Telecom and Insurance category spends, you earn 1 Reward Point per ₹100 spent, with a maximum of 100 Reward Points per transaction on Utility & Telecom spends. Note that Cash, Rent, Education & Government, EMI, Fuel, BBPS, and Quasi Cash transactions are not eligible for Reward Points.
REWARDSIs there a milestone benefit on the Altura Plus Credit Card?
Yes, the Altura Plus Credit Card offers a milestone benefit of 500 Bonus Reward Points when you achieve retail spends of ₹20,000 or more in a calendar month. Please note that fuel transactions and cash withdrawals are excluded from the Bonus Reward Points spend calculation. This is a great way to earn additional rewards by reaching the monthly spending milestone.
BENEFITSWhat fuel benefits does the Altura Plus Credit Card provide?
The Altura Plus Credit Card offers a 1% fuel surcharge waiver (up to ₹150) at all fuel stations across India. This waiver is applicable for fuel transactions between ₹400 and ₹5,000. Please note that fuel transactions are excluded from both Bonus Reward Points and regular Reward Points calculations, so you will not earn any Reward Points on fuel spends.
BENEFITSDoes the Altura Plus Credit Card offer any travel benefits?
Yes, the Altura Plus Credit Card offers 8 complimentary railway lounge accesses every year, allowing you to travel in comfort and leisure. You can refer to the Railway Lounge list available on the AU Small Finance Bank website to find participating lounges. This benefit makes the card a great choice for frequent train travellers looking to enjoy lounge access at no extra cost.
BENEFITSWhat is the device protection plan offered with the Altura Plus Credit Card?
The Altura Plus Credit Card comes with a complimentary electronic device protection plan that includes free insurance and extended warranty on mobile and electronic purchases made using the card. This benefit helps safeguard your devices against unexpected damages or defects, adding significant value to your purchases. It is a complimentary feature available to all primary Altura Plus Credit Cardholders.
BENEFITSWhat card liability protection does the Altura Plus Credit Card offer?
The Altura Plus Credit Card offers zero liability on fraudulent transactions made on your lost card, provided you report the card loss to AU Small Finance Bank promptly. The card also protects you against counterfeit/skimming fraud and online frauds. This ensures that you are financially safeguarded against unauthorized card usage. Please refer to the detailed Terms and Conditions on the AU Small Finance Bank website for full coverage details.
USAGECan I register my Altura Plus RuPay Credit Card on a UPI application?
Yes, you can register your AU RuPay Altura Plus Credit Card on a UPI application. However, the mobile number linked to your RuPay Credit Card must be the same as the one registered on the UPI application. If you have changed your mobile number, you must first update it for the RuPay Credit Card and then re-register your card on the UPI application. Currently, only RuPay Credit Cards are permitted by RBI to be linked with UPI applications.
USAGEHow do I link my Altura Plus RuPay Credit Card to a UPI application?
To link your AU RuPay Credit Card to UPI: Download a UPI Third Party Application (such as BHIM, PayTm, or Mobikwik) from the Play Store or App Store. Verify your mobile number and complete registration on the app. Select 'Add Credit Card / Link Credit Card'. Choose AU Small Finance Bank as the card issuer. Select your AU Small Finance Bank Credit Card. Confirm the details displayed and generate your UPI PIN if not already done.
APPLICATIONHow can I apply for the Altura Plus Credit Card?
You can apply for the Altura Plus Credit Card online through the AU Small Finance Bank website by clicking the 'Apply Now' button on the Altura Plus Credit Card page. You can also visit any of AU Small Finance Bank's 1,042+ branches across India to apply in person. Additionally, you can track your credit card application status on the AU Small Finance Bank website using the Credit Card Application Status tracker.
USAGEDoes the Altura Plus Credit Card support contactless payments?
Yes, the Altura Plus Credit Card supports contactless payments. You can enjoy hassle-free and PIN-free payments at participating merchants for transaction amounts up to ₹5,000. For amounts exceeding ₹5,000, you will need to enter your PIN to complete the transaction. This feature makes everyday purchases faster and more convenient without the need to swipe or insert your card.
USAGECan I convert my Altura Plus Credit Card transactions to EMI?
Yes, the Altura Plus Credit Card offers Xpress EMI, which allows you to convert eligible transactions of ₹2,000 or more into easy monthly instalments. You can choose from select tenure options as per your convenience. This feature helps you manage large purchases comfortably by spreading the cost over multiple months. You can also convert eligible RuPay Credit Card UPI transactions to EMI.
BENEFITSAre add-on cards available with the Altura Plus Credit Card?
Yes, the Altura Plus Credit Card allows you to get free add-on cards for your family members. Add-on cardholders must be over 18 years of age. This allows your loved ones to enjoy the same card benefits, including cashback, Reward Points, and other features. There is no additional charge for add-on cards, making it a cost-effective way to extend the card's benefits to your family.

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