AU Small Finance Bank Altura Plus Credit Card

Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 1.5% base rate
• Domestic lounge access: No airport lounge access; 2 complimentary railway lounge visits per quarter

• ✈️ Travel

  Complimentary railway lounge access, twice per quarter

• 🛍️ Shopping

  2% reward rate

• ⛽ Fuel

  1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹100 per statement month (from 1 Oct 2026)

• 🌍 Forex / international spend

  3.49% forex markup on international transactions

• Employment: salaried, self-employed
• Age: 21–60

• Spend-based waiver: Waived on annual spend of ₹80,000
• Rewards redemption fee: ₹99 + GST per redemption request
• Foreign currency markup: 3.49%
• Interest rate: 45% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400–₹5,000, capped at ₹100 per statement month (cut from ₹150 on 1 Oct 2026)
• Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction

• 1.5% cashback on all POS retail spends (capped at Rs 100/statement cycle) and 2x reward points on online purchases
• 500 bonus reward points every month on reaching Rs 20,000 monthly spend
• Complimentary railway lounge access, twice per quarter
• 1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹100 per statement month (from 1 Oct 2026)