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AU Small Finance Bank
AU Altura Plus Credit Card
Shopping
Rewards
Cashback
1st Year Fee: ₹499* Plus Applicable Taxes
Shopping
2X points on eligible online spends
Travel
8 free railway lounge visits yearly
Fuel
Save Rs. 1,800 annually on fuel
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About AU Altura+ Credit Card
AU Altura+ Credit Card is an entry-level credit card for consumers who want to start their credit journey. The card offers 1.5% cashback on offline retail spends. Additionally, the card also offers 1 Reward Point on every Rs. 100 spent on retail purchases via POS, 2 Reward Points for every Rs. 100 spent on all online transactions, along with 1 Reward Point for every Rs. 100 on utility, telecom, and insurance category purchases. In addition to its cashback and rewards program, this card offers 8 complimentary railway lounge visits each year, making it an ideal choice for consumers seeking a basic rewards program and railway lounge access.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit AU Small Finance Bank’s website.
Rewards, Cashback, and Milestone Benefits
Cashback Benefit
- 1.5% cashback on offline retail spends, capped at Rs. 100 per month
Rewards Program1
- 1 Reward Point on every Rs. 100 spent on retail purchases (Excluding fuel) via POS, once you reach the maximum cashback limit
- 2X Reward Points (i.e., 2 Reward Points for every Rs. 100) on all online transactions
- 1 Reward Point for every Rs. 100 spent on utility, telecom, and insurance category purchases
Milestone Benefit
- 500 bonus Reward Points on every retail spend of Rs. 20,000 or more every month1
Other Features and Benefits
Railway Lounge Access
- 8 complimentary railway lounge visits annually
Joining Fee Waiver
- Joining fee will be waived for a minimum retail spend of Rs. 20,000 within 90 days of card activation
Annual Fee Waiver
- Annual fee will be waived for a minimum retail spend of Rs. 80,000 in the previous year
Fuel Surcharge Waiver
- 1% fuel surcharge waiver up to Rs. 150 on a transaction between Rs. 400 and Rs. 5,000 on all fuel stations
AU Altura+ Credit Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Rs. 499 + Taxes |
| Annual Fee | Rs. 499 + Taxes |
| Finance Charges | 3.75% per month (45% p.a.) |
| Late Payment Fee | 15% of Total Amount Due ( Minimum Rs. 10, Maximum Rs. 1,300) |
Things to Know Before you apply
Get this card if:
You regularly spend on retail and online shopping
You travel frequently and could benefit from railway lounge access
You want to earn rewards and cashback, especially on offline retail purchases
Other similar cards:
Paisabazaar Review
What do we like about this card?
AU Altura+ Credit Card offers 1.5% cashback on offline retail spends (capped at Rs. 100), 2 Reward Points for every Rs. 100 on online transactions, and 1 Reward Point for utility, telecom, and insurance purchases. Besides this, it includes 8 free railway lounge visits annually, a joining fee waiver for Rs. 20,000 spent in 90 days, and an annual fee waiver for Rs. 80,000 spent. Overall, it’s a suitable choice for regular shoppers and travelers looking for value and basic rewards.
Pros
- 2 Reward Points for every Rs. 100 spent on all online transactions
- Comes with a low annual and joining fee of Rs. 499
- 8 complimentary railway lounge visits annually
Cons
- No complimentary airport lounge visits
- 1.5% cashback is capped at Rs. 100 per month
- Milestone benefits apply on a min. spend at least Rs. 20,000 every month
Frequently Asked Questions
Everything you need to know about this credit card
The card provides 1.5% cashback on offline retail spends, 2 Reward Points per Rs. 100 on online transactions, and 1 Reward Point per Rs. 100 on utility, telecom, and insurance payments.
Yes, cardholders receive 500 bonus Reward Points for monthly retail spends of Rs. 20,000 or more. Milestone rewards are applied automatically after meeting the minimum spend requirement each month.
The card includes eight complimentary railway lounge visits per year. Access is limited to railway lounges and is not applicable to airport lounges or other travel facilities.
Joining and annual fees are Rs. 499 each, plus taxes. Finance charges are 3.75% per month, and late payment fees range from Rs. 10 to Rs. 1,300 depending on the outstanding amount.
The joining fee is waived for Rs. 20,000 spent within 90 days of activation, and the annual fee is waived if Rs. 80,000 was spent in the previous year.
AU Altura+ Credit Card suits consumers who shop both online and offline, travel by train occasionally, and want basic cashback and reward points. It requires regular usage to fully utilize milestone benefits.
Footnotes
- Exclusion: Cash, Rent, Education & Govt, EMI, Fuel, BBPS, and Quasi Cash transactions are not eligible for Reward Points, and cardholders will earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends.
- Fuel transactions and Cash withdrawal are excluded from Bonus Reward Points spend calculation.
Click here to know More Terms and Conditions
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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