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Altura+ Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
AU Small Finance Bank Visa Entry

Annual Fee

₹499

Base Rate

1.0%

Reward Type

Points

Overview

The Altura+ Credit Card is a Entry credit card issued by AU Small Finance Bank on the Visa network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹499
Eligibility: Salaried: >₹25,000/month; Self-employed: >₹6LPA. CIBIL score ≥ 720.

Reward Rates & Cashback Rules

  • CATEGORY – Retail: 6.0% cashback | monthly cap ₹100.0 ⚠️ Applies to offline Point-of-Sale (POS) transactions only. Reward is 1.5% cashback, equivalent to 6 points per ₹100.
  • ALL_ONLINE: 2.0% cashback
  • CATEGORY – Utilities: 1.0% cashback (capped ₹25.0/txn) ⚠️ Reward capped at 100 Reward Points (₹25) per transaction.
  • CATEGORY – Insurance: 1.0% cashback
  • CATEGORY – Fuel: 0.0% cashback ⚠️ No reward points on fuel transactions.
  • CATEGORY – Rent: 0.0% cashback ⚠️ No reward points on rent payments.
  • CATEGORY – EMI: 0.0% cashback ⚠️ No reward points on EMI transactions.
  • CATEGORY – Education: 0.0% cashback ⚠️ No reward points on education and government payments.
  • CATEGORY – Transportation: 0.0% cashback ⚠️ No reward points on transportation MCCs.

Key Features & Benefits

  • Monthly Milestone Bonus 🏆: Earn 500 bonus Reward Points on retail spends of ₹20,000 or more in a calendar month.
  • Railway Lounge Access 🚆: 8 complimentary railway lounge visits per year (2 per quarter).
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹150 per statement cycle.
  • Welcome Benefit 🎁: Vouchers worth ₹500 on spending ₹10,000 or more within the first 60 days of card setup.
  • Device Protection Plan 📱: Complimentary device protection plan with free insurance and extended warranty on mobile and other electronic purchases.

Eligibility Criteria

Salaried: >₹25,000/month; Self-employed: >₹6LPA. CIBIL score ≥ 720.

Features & Benefits

🏆

Monthly Milestone Bonus

Earn 500 bonus Reward Points on retail spends of ₹20,000 or more in a calendar month.

🚆

Railway Lounge Access

8 complimentary railway lounge visits per year (2 per quarter).

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹150 per statement cycle.

🎁

Welcome Benefit

Vouchers worth ₹500 on spending ₹10,000 or more within the first 60 days of card setup.

📱

Device Protection Plan

Complimentary device protection plan with free insurance and extended warranty on mobile and other electronic purchases.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Retail
Reward: 6.0% Monthly Cap: ₹100.0
⚠️ Exceptions: Applies to offline Point-of-Sale (POS) transactions only. Reward is 1.5% cashback, equivalent to 6 points per ₹100.
6%
All Online Spends
Reward: 2.0%
2%
Utilities
Reward: 1.0% Max per TX: ₹25.0
⚠️ Exceptions: Reward capped at 100 Reward Points (₹25) per transaction.
1%
Insurance
Reward: 1.0%
1%
Fuel Exclusion
⚠️ Exceptions: No reward points on fuel transactions.
Rent Exclusion
⚠️ Exceptions: No reward points on rent payments.
EMI Exclusion
⚠️ Exceptions: No reward points on EMI transactions.
Education Exclusion
⚠️ Exceptions: No reward points on education and government payments.
Transportation Exclusion
⚠️ Exceptions: No reward points on transportation MCCs.

Value Chart

Assuming basic spends for Altura+ Credit Card

Category Altura+ Credit Card Axis Bank Neo Credit Card LIC Axis Bank Platinum Credit Card Axis Bank Kwik Credit Card
₹
Joining Fee 		₹499 ₹0 ₹0 ₹0
₹
Annual Fee 		₹499
Annual fee waived on spending ₹80,000 in the preceding year. Joining fee waived on spending ₹20,000 within 90 days.
 ₹250 ₹0 ₹0
🌍
Forex Markup 		3.49% 3.5% 3.5% 3.5%
%
Base Rate 		1.0% 0.5% 1.0% 1.0%
★
Known Rules 		9 rules 11 rules 11 rules 11 rules

Pros & Cons

✓

Pros

  • + Retail — 6.0% Points (cap ₹100.0)
  • + All Spends — 2.0% Points
  • + Utilities — 1.0% Points
  • + Insurance — 1.0% Points
  • + Monthly Milestone Bonus
  • + Railway Lounge Access
  • + Fuel Surcharge Waiver
  • + Welcome Benefit
✗

Cons

  • − No reward on Fuel — No reward points on fuel transactions.
  • − No reward on Rent — No reward points on rent payments.
  • − No reward on EMI — No reward points on EMI transactions.
  • − No reward on Education — No reward points on education and government payments.
  • −Forex markup of 3.49% on international spends
  • −Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹499

Net Value

+₹2501

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.49% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The joining and annual fee is ₹499 + GST. The annual fee can be waived by spending ₹80,000 in the previous year.

You get 1.5% cashback (equivalent to 6 points per ₹100) on offline spends, capped at ₹100/month. You earn 2 points per ₹100 on all online spends and 1 point per ₹100 on utilities and insurance.

One Reward Point earned on the AU Altura+ card is valued at ₹0.25.

Yes, you can earn 500 bonus Reward Points by achieving retail spends of ₹20,000 or more in a single calendar month.

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