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AU Small Finance Bank
AU Small Finance Bank Altura Plus Credit Card
Visa
AU Small Finance Bank Altura Plus Credit Card
An entry-level everyday cashback card from AU Small Finance Bank with a modest fee, easily waivable via spend, and railway lounge access.
Rates and fees last verified 14 September 2026.
Annual fee
₹499
Joining fee
₹499
Reward type
cashback
Base reward rate
1.5%
Card network
Visa
Card tier
Entry
Reward rates by category
- Online shopping2%
Eligibility
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 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
- Spend-based fee waiver: Rs 20,000 in 90 days (year 1) or Rs 80,000 in the prior year (year 2 onwards)
Pros
- + Straightforward 1.5% cashback on retail spends
- + Fee waivable via annual spend
- + Railway lounge access included
Cons
- − Cashback capped at Rs 100/cycle
- − No airport lounge access
- − Forex markup is on the higher side at 3.49%
Applying takes you to AU Small Finance Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.