AU Bank Altura Plus Credit Card

Name: AU Bank Altura Plus Credit Card
Brand: AU Bank
Price: 499 INR
Availability: InStock
Rating: 2.5 (1 reviews)

Overview

The AU Bank Altura Plus sits in the entry segment of AU Small Finance Bank's credit card lineup. At ₹499 for both joining and annual fees (plus 18% GST), it keeps costs low. The joining fee gets waived on ₹20,000 spend within 90 days of card setup, and the annual fee drops off when previous year spending crosses ₹80,000. New cardholders also receive ₹500 in vouchers on spending ₹10,000 within 60 days.The rewards split between cashback and points. POS retail purchases earn 1.5% cashback, capped at ₹100 per statement cycle, so spending above ₹6,700 at physical stores hits the ceiling. After the cap, POS transactions earn 1 reward point per ₹100 instead. Online retail earns at 2X: 2 reward points per ₹100. Spending ₹20,000 or more in a month trigge₹500 bonus points. Fuel, rent, EMI, and government payments earn nothing.Railway lounge access stands out at this price, with 2 complimentary visits per quarter at stations in New Delhi, Kolkata, Jaipur, Ahmedabad, Madurai, and Agra. There is no airport lounge access. The 1% fuel surcharge waiver covers all fuel stations for transactions between ₹400 and ₹5,000. Free device protection includes screen coverage on mobiles for 1 year and extended warranty on laptops and white goods.This card suits people who shop both online and at physical stores and want everyday perks without premium fees. The ₹100 monthly cashback cap limits returns for heavy POS spenders. For higher spending, the AU Vetta or Zenith cards provide better per-rupee returns.

Pros

↑Dual reward structure gives 1.5% cashback on POS purchases plus 2X reward points on online spends, rewarding both in-store and online shopping from a single card
↑2 complimentary railway lounge visits per quarter at 6 stations, a benefit uncommon at the sub-₹500 annual fee tier
↑Free device protection covers screen damage on mobiles for 1 year and adds extended warranty on laptops and white goods bought with the card
↑Fuel surcharge waiver applies at all fuel stations nationwide, unlike many entry-level cards that restrict this to specific oil company pumps
↑₹500 welcome voucher on ₹10,000 spend within 60 days offsets nearly the entire ₹499 joining fee

Cons

↓Cashback capped at ₹100 per statement cycle, meaning POS spending above ₹6,700 per month switches to the lower reward point rate instead of continuing at 1.5%
↓No airport lounge access at any tier of spending, while several entry-level cards from competing banks provide at least conditional domestic lounge visits
↓Railway lounges cover only 6 stations (New Delhi, Kolkata, Jaipur, Ahmedabad, Madurai, Agra), leaving out Mumbai, Bangalore, Chennai, and Hyderabad
↓No personal accident insurance or travel insurance, unlike some competing entry-level cards that include basic accident cover

Key Highlights

Welcome Offer
₹500 welcome vouchers on ₹10K spend
₹500 in vouchers on ₹10,000 retail spend within 60 days
Minimum retail spend condition applies
Offsets nearly the entire ₹499 joining fee

Reward Rate
1.5% cashback + 2X online points
POS retail: 1.5% cashback (max ₹100/cycle)
Online retail: 2 points per ₹100
POS after cashback cap: 1 point per ₹100
Utility/telecom/insurance: 1 point per ₹100
500 bonus points on ₹20K+ monthly spend

Minimum Salary
21-60 years, Indian resident
Age: 21 to 60 years (primary)
Add-on cardholder: 18+ years
Indian resident
Income proof required (salary slips or ITR)

Joining Fee
₹499 + GST
Joining fee: ₹499
Plus 18% GST
Waived on ₹20,000 retail spend within 90 days
₹500 welcome voucher offsets the cost

Annual Fee
₹499 + GST (waived on ₹80K spend)
Annual fee: ₹499
Plus 18% GST
Waived if previous year retail spend exceeds ₹80,000

Why Choose?
Railway lounges and device protection at ₹499
2 railway lounge visits per quarter at 6 stations
No airport lounge access
1% fuel surcharge waiver at all pumps (max ₹150/cycle)
Free screen protection on mobile/tablet (1 year)
Extended warranty on laptops and white goods

Key Benefits

Cashback

★2.0

▼

1.5% cashback on all POS retail spends
Capped at ₹100 per statement cycle
After cap: earns 1 reward point per ₹100 instead
Excludes fuel, rent, EMI, education, and government payments

Fuel

★3.0

▼

1% surcharge waiver on ₹400 to ₹5,000 transactions
Valid at all fuel stations across India
Maximum waiver ₹150 per statement cycle
Primary and add-on cardholders eligible
No cashback or reward points on fuel

Milestone

★2.5

▼

500 bonus reward points on ₹20,000+ retail spend per calendar month
Resets each month
₹80,000 annual spend triggers annual fee waiver
₹20,000 spend within 90 days waives joining fee

Reward Points

★2.5

▼

Online retail: 2 points per ₹100
POS retail (after cashback cap): 1 point per ₹100
Utility, telecom, insurance: 1 point per ₹100
500 bonus points on ₹20,000+ monthly retail spend
No points on fuel, rent, EMI, education, government, BBPS

Shopping

★2.0

▼

2X reward points (2 per ₹100) on all online retail purchases
1.5% cashback on POS retail (capped at ₹100/cycle)
No special merchant partnerships or elevated spend categories

Railway

▼

2 complimentary visits per calendar quarter
Stations: New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, Madurai, Agra
Primary and add-on cardholders eligible
Additional visits at lounge provider rates

Liability Protection

▼

Zero liability on fraudulent transactions after reporting card loss
Coverage for card counterfeit and skimming
Online fraud protection

Insurance

▼

Screen damage protection on mobile/tablet for 1 year (via OneAssist)
Extended warranty (1 year) on laptops and white goods
10% deductible on each claim
No personal accident or travel insurance

Emi

▼

EMI conversion available on eligible purchases
Tenure and interest rates vary by transaction amount

Detailed Information

Joining Fee	₹499 + GST (waived on ₹20,000 spend within 90 days)
Annual Fee	₹499 + GST
Annual Fee Waiver	Waived on ₹80,000 annual spend
Monthly Percentage Rate	3.49%
Annual Percentage Rate	41.88%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.49%
Late Payment Charges	₹0 to ₹1,100 based on outstanding
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹500)
Balance Transfer Fee	1% of transferred amount (min ₹250)
Fee For Supplementary Card	No fee
Card Replacement Fee	₹100
Fee For Duplicate Statement	₹100 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	21-60 years
Age Requirement Self Employed	21-60 years
Minimum Annual Income Salaried	As per bank assessment
Minimum Annual Income Self Employed	As per bank assessment
Minimum Credit Score	700+

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Driving License
Address Proof	Aadhaar Card Passport Voter ID Utility Bill (recent) Ration Card
Income Proof Salaried	Latest 3 months salary slips Form 16 Income Tax Returns
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents

Frequently Asked Questions

The joining fee is ₹499 plus 18% GST. This fee gets waived when you make ₹20,000 in retail purchases within 90 days of card setup. You also receive ₹500 in welcome vouchers on spending ₹10,000 within 60 days, effectively covering the joining cost.

The annual fee of ₹499 plus GST gets waived when your total retail spending in the previous card anniversary year crosses ₹80,000. That works out to roughly ₹6,700 per month in regular purchases.

New cardholders receive vouchers worth ₹500 on completing a minimum of ₹10,000 in retail spending within 60 days of card setup. This effectively offsets the ₹499 joining fee.

POS retail purchases earn 1.5% cashback credited directly to your statement. The cashback is capped at ₹100 per statement cycle. Once you hit the cap, additional POS retail spends earn 1 reward point per ₹100 instead. Fuel, rent, EMI, education, government, and BBPS payments do not earn cashback.

Online retail transactions earn 2 reward points per ₹100, double the POS rate. Utility, telecom, and insurance payments earn 1 reward point per ₹100. Spending ₹20,000 or more on retail in a calendar month adds 500 bonus reward points.

Fuel transactions, rent payments, education and government payments, EMI conversions, BBPS transactions, cash advances, and quasi-cash transactions earn zero cashback and zero reward points. Utility, telecom, and insurance payments earn reward points (1 per ₹100) but not cashback.

When your total retail spending reaches ₹20,000 or more in a calendar month, you earn 500 bonus reward points. This resets each month and is in addition to the regular cashback and reward points earned on those transactions.

You get 2 complimentary railway lounge visits per calendar quarter. Lounges are available at New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, Madurai, and Agra stations. Both primary and add-on cardholders can use this benefit. Additional visits beyond the free quota are charged at the lounge provider's rates.

No. The Altura Plus provides railway lounge access only, with 2 visits per quarter at 6 stations. For domestic airport lounge access with AU Bank, you would need to step up to the Zenith or Vetta credit cards in the bank's lineup.

A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹5,000 at all petrol pumps across India. The maximum waiver is ₹150 per statement cycle. Both primary and add-on cardholders can use this benefit. Fuel transactions do not earn cashback or reward points.

Mobiles and tablets purchased with the card get 1 year of screen damage protection. Laptops and white goods get 1 year of extended warranty. Coverage is through OneAssist, with a 10% deductible on each claim. Accidental and liquid damage are not covered under the extended warranty plan.

You have zero liability for fraudulent transactions made after reporting your card as lost or stolen. The cover extends to card counterfeit, skimming, and online fraud. Report card loss immediately to AU Bank customer care at 1800-1200-1500.

The finance charge is 3.49% per month, which works out to 41.88% per year. This applies to any outstanding balance carried past the payment due date. You get an interest-free period of up to 50 days when you pay the full statement balance by the due date.

International transactions carry a 3.49% foreign currency markup fee. This applies to all purchases made in currencies other than Indian rupees. The Visa network handles currency conversion at the prevailing exchange rate plus this markup.

Add-on (supplementary) cards are available at no additional annual fee. Add-on cardholders must be at least 18 years old. They share the primary cardholder's credit limit and earn cashback and reward points at the same rates. All rewards accumulate in the primary cardholder's account.

You must be an Indian resident aged 21 to 60 years. Income proof through salary slips, Form 16, or ITR is required, though AU Bank does not publicly state a minimum income threshold for this card. A good credit score of 700 or above improves approval chances.

Identity proof: PAN card (mandatory), Aadhaar, passport, or driving license. Address proof: Aadhaar, passport, voter ID, or a recent utility bill. Income proof for salaried applicants: latest 3 months salary slips and Form 16. Income proof for self-employed: latest 2 years ITR and 6 months bank statement.

Apply through the AU Small Finance Bank website at aubank.in or visit a branch. The online application requires your PAN, Aadhaar, and income documents. Existing AU Bank account holders may find pre-approved card offers in their net banking or mobile app.

Late payment fees range from zero to ₹1,100 depending on your total outstanding balance. These apply when you do not pay at least the minimum amount due by the statement due date. Missing payments also affects your credit score.

The AU Bank Altura Plus is issued on the Visa network. It works at all Visa-accepting merchants domestically and internationally. The railway lounge access benefit is tied to the Visa card.

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

Related Products

Pros

Cons