The AU Bank Altura Plus Credit Card is an everyday card from AU Small Finance Bank that rewards you in two ways: 1.5% cashback on in-store spends and reward points online. Spend more than ₹20,000 in a month and you also collect a 500-point bonus. Right now there is no joining or annual fee.
How the rewards work
| Where you spend | What you earn | Limit |
|---|---|---|
| Offline POS retail spends | 1.5% cashback | ₹100 a month (first ₹6,667 of POS spend) |
| Offline POS spends above ₹6,667 a month | 1 point per ₹100 | |
| Online retail | 2 points per ₹100 (about 0.5%) | |
| Utility, telecom, insurance | 1 point per ₹100 | Utility and telecom capped at 100 points per transaction |
| Total retail spends above ₹20,000 in a month | 500 bonus points (₹125) | Monthly |
Point value: 1 reward point = ₹0.25.
What you would actually earn
Spend ₹6,667 in stores, ₹10,000 online and ₹4,000 on bills in a month. That is ₹100 cashback, 200 online points (₹50) and 40 bill points (₹10). Crossing ₹20,000 also earns the 500-point bonus (₹125). Altogether about ₹285 a month, or roughly ₹3,400 a year, from a card with no fee right now.
Notice that the monthly bonus does most of the work. Fall short of ₹20,000 and the card earns well under 1% overall, so it suits people who can reliably put that much on it.
Other benefits
- Railway lounges: 2 complimentary visits every calendar quarter at select stations across India.
- Fuel: 1% surcharge waiver on ₹400–₹5,000, up to ₹150 a month.
Because the offline cashback stops at ₹6,667 of in-store spend each month, you get the best results by using Altura Plus for routine store purchases up to that level and moving larger in-store purchases to a different card.
The no-fee status is a limited-time offer, so check the fee terms on your welcome kit.
Fees and charges
| Joining fee | Free (limited-time offer) |
|---|---|
| Annual fee | Free (limited-time offer) |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Credit score | 750 or above |
| First credit card? | Not allowed |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
- Photo: a recent passport-size photograph
How to apply
- Tap Apply on AU Bank site on this page to open the official application form.
- Fill in the form in one go, using the mobile number linked to your Aadhaar.
- Complete video KYC when prompted, from your current address.
- Once the card arrives, make a first transaction (₹100 or more) within 30 days to activate it.
Who should get it, and who shouldn’t
Get it if you spend ₹20,000+ a month across shops, online and bills, travel by train and want a card with no fee under the current offer.
Skip it if you mainly shop online. At about 0.5% online, a dedicated online cashback card will earn several times more.
