AU Altura Plus Credit Card
AU Altura Plus sits one step above the base Altura in AU Small Finance Bank's lineup — a ₹499 RuPay card that pays 1.5% cashback on offline retail spends, capped at ₹100 per statement cycle, and 2X reward points (2 per ₹100) on online purchases. Offline spending beyond the cashback cap still earns a modest 1 point per ₹100. A recurring monthly milestone adds 500 bonus reward points once retail spending crosses ₹20,000 in a calendar month, which helps steady spenders push the overall return higher. The card carries over the Altura family's signature travel perk — 8 railway lounge visits a year — plus a 1% fuel surcharge waiver. The ₹499 annual fee waives on ₹80,000 of yearly spend, and the first year is waived outright if you spend ₹20,000 within the first 90 days.
Key features
The essentials worth knowing before applying.
1.5% on other spends
1.5% cashback on offline retail spends, capped at ₹100 per statement cycle; beyond the cap, offline POS spends earn 1 reward point per ₹100 (fuel excluded)
0.5% on Online Shopping
2X reward points (2 per ₹100) on online purchases
Annual Fee Waiver
₹499 + 18% GST (₹589 all-in) fee waived once you spend ₹80,000 in a year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹150 a month
Milestone bonus
Around ₹1,500 in bonus rewards across the year for hitting monthly spend thresholds
UPI Linked
Can be linked to PhonePe, Google Pay and other UPI apps
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | cashback | 1.5% | ₹100 |
| Online Shopping | reward points | 0.5% | — |
| Utility Bills | reward points | 0.25% | — |
| Insurance | reward points | 0.25% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹589 |
| Joining fee (incl. 18% GST) | ₹589 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1%, cap ₹150 |
Perks & benefits
Non-reward value adds up to roughly ₹2,100 a year.
Milestone bonus ~₹1,500/yr
500 bonus reward points for retail spends of ₹20,000 or more in a calendar month — fuel spends and cash withdrawals don't count toward this threshold.
Fuel surcharge waiver ~₹600/yr
1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹150 per statement cycle.
Should you get it?
Best for: everyday RuPay/UPI spenders, and AU customers looking to upgrade from the entry-level Altura.
An entry-tier card, well suited to first-time and lower-spend users.
Value is strongest for shoppers who route routine offline spend through it.
✓ Pros
- 1.5% cashback on offline retail spends, up to ₹100 per statement cycle
- Monthly milestone bonus rewards consistent spenders
- RuPay/UPI-linkable, with 8 railway lounge visits a year
✕ Cons
- The split cashback/points structure means your effective rate depends heavily on where you spend
- The 1.5% offline cashback caps out quickly at ₹100 per cycle
- Utility, telecom and insurance spends earn only base points, not cashback
- Lounge access is limited to railway stations, not airports
- The annual fee doesn't waive unless you cross ₹80,000 in yearly spend
Eligibility & documents
Age
21–60 years
Employment
type: Salaried · Self-employed
Minimum income ₹15,000/month
Documents required
- PAN card
- Aadhaar or other valid address proof
- Bank statements for the last 3 months
- Income proof — salary slips for salaried applicants, ITR for self-employed
- Recent passport-size photograph
How to redeem rewards
Ways to turn points and cashback into value.
🎁 Direct statement credit or cashback adjustment
🎁 Online rewards catalogue for vouchers and merchandise
🎁 Flight and hotel bookings through the issuer's rewards portal
What your AU Reward Points are worth
Realistic per-point value across redemption routes. Statement credit (standard redemption): ₹0.25/pt Gift voucher catalogue (brand & e-gift vouchers): ₹0.25/pt The main thing to keep in mind: this card's reward structure splits between cashback on offline spend and points on online spend, so your real return only matches the headline rate if your spending mix lines up. Lounge access here is railway, not airport.
The bottom line
A sensible second step on the AU ladder. The 1.5% offline cashback is genuinely useful up to its ₹100-a-cycle cap, and the monthly milestone bonus rewards steady spending habits. It's still an everyday-use card rather than a serious rewards engine, but it earns its modest fee for a regular RuPay/UPI spender.
Frequently asked questions
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