AU Altura Plus Credit Card
★ 3.8 / 5 ⓘ How we rate1.5% cashback in shops + reward points online
✅ Verified Oct 2026 from AU Small Finance Bank's official terms →
✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026
Why people love it
People who mostly pay by card at shops and stores
Key benefits
- 1.5% cashback on offline retail spends at shops (POS)
- 2 reward points per ₹100 on online spends
- 500 bonus points when you spend ₹20,000 in a month
- Complimentary railway lounge access
What's great
- Rare offline cashback card
- Zero fees on current offer
- Monthly bonus points
Good to know
- Offline cashback may be capped at ₹100 per bill
- Low online rewards
- No airport lounges
Quick facts
How to apply
Keep these ready
- 🪪 PAN card
- 🆔 Aadhaar (for e-KYC / video KYC)
- 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
| Interest on unpaid bill | 3.75%/month (45% p.a.) |
| Foreign currency markup | 3.49% |
| Cash withdrawal fee | 2.5% |
| Late payment fee | ₹0 – ₹1,300 by bill amount |
- No rewards on fuel, rent, wallet loads
- 18% GST applies on all fees
💡 Pay your full bill before the due date and you pay zero interest.
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❓ AU Altura Plus — common questions
Is the AU Altura Plus Credit Card lifetime free?
Yes. The AU Altura Plus Credit Card has no joining fee and no annual fee.
What rewards does the AU Altura Plus Credit Card give?
0.5% – 1.5% value back. 1.5% cashback on offline retail spends at shops (POS).
Who is eligible for the AU Altura Plus Credit Card?
Minimum income: ₹3 lakh/year. Age: 21 – 60 years. Credit score: 720+. Final approval is decided by the bank.
Does the AU Altura Plus Credit Card give airport lounge access?
Yes — Railway lounges only.
What is the forex markup on the AU Altura Plus Credit Card?
3.49% on foreign currency spends (plus GST).
Who should get the AU Altura Plus Credit Card?
People who mostly pay by card at shops and stores.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.