← Part of AU Small Finance Credit Cards in India
The AU Altura Plus Credit Card offers a 1.5% cashback on POS retail spends and 2x reward points on online purchases. As of March 2026, AU Small Finance Bank has over 10 lakh active credit cards in India, reflecting its growing presence in the market.
| Parameter | Details |
|---|---|
| Card Type | Entry-level rewards card |
| Joining Fee | ₹499 + GST (waived for ₹20,000 spent within 90 days of activation) |
| Annual Fee | ₹499 + GST (waived if ₹80,000 was spent in the previous year) |
| Interest-Free Period | Up to 50 days |
| Finance Charges | 3.75% per month |
| Late Payment Fees | ₹10 to ₹1,300 (depending on outstanding amount) |
| Fuel Surcharge Waiver | 1% waiver on fuel transactions between ₹400 to ₹5,000 per statement cycle |
| Maximum Fuel Benefit | ₹150 per statement cycle (annually ₹1,800 savings) |
| Cashback on POS Retail Spends | 1.5% |
| Reward Points on Online Purchases | 2x Reward Points |
| Reward Points on Utility & Telecom Spends | Maximum 100 Reward Points per transaction |
| Reward Points Exclusion | Cash, Rent, Education, Govt, EMI, Fuel, BBPS, Quasi Cash transactions |
| Transportation MCC Reward Points | Discontinued from April 1, 2026 |
| Primary Cardholder Age | 21 years to 60 years |
| Add-on Cardholder Age | More than 18 years |
| Residency | Resident of India |
| Identity Proof (Documents) | Passport, Driving License, Aadhaar Card |
| Address Proof (Documents) | Passport, Voter ID, Aadhaar Card, Utility Bills, Ration Card |
| Income Proof (Documents) | Recent Salary Slips, Form 16, Income Tax Returns |
The card is designed for individuals who seek basic cashback and reward points across both online and offline spending, with specific benefits for fuel and railway travel.
Rewards & Cashback Benefits
The AU Altura Plus Credit Card offers 1.5% cashback on offline retail spends, capped at ₹100 per statement cycle, and 2X Reward Points on all online transactions. Cardholders can also save up to ₹1,800 annually on fuel transactions.
| Benefit Type | Details | Value |
|---|---|---|
| Cashback on Offline Retail Spends | 1.5% cashback on POS retail transactions at merchant outlets | Capped at ₹100 per statement cycle |
| Reward Points on Online Transactions | 2X Reward Points (2 Reward Points per ₹100 retail spend) for all online transactions | N/A |
| Reward Points on POS Retail Spends | 1 Reward Point per ₹100 retail spends (except fuel) on POS | After reaching the maximum cashback limit |
| Reward Points on Utility & Telecom Spends | 1 Reward Point for every ₹100 spent on utility, telecom, and insurance category purchases | Maximum of 100 Reward Points per transaction on Utility & Telecom spends |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 at all fuel stations in India | Up to ₹150 per statement cycle |
| Complimentary Railway Lounge Access | 2 complimentary railway lounge access per quarter | N/A |
| Milestone Bonus | 500 bonus Reward Points each quarter for achieving the spend milestone | N/A |
| Annual Savings on Fuel | Annual savings on fuel transactions | ₹1,800 annually |
| Exclusions for Reward Points | Cash, Rent, Education & Govt, EMI, Fuel, BBPS, and Quasi Cash transactions are not eligible for Reward Points | N/A |
| Discontinuation of Reward Points on Transportation | Reward Points accrual on Transportation Merchant Category Codes will be discontinued | Effective from April 1, 2026 |
The card’s reward structure is designed for users with varied spending habits, offering specific benefits for both online and offline purchases.
Fees & Charges Structure
The AU Altura Plus Credit Card carries a standard joining fee and annual fee, both subject to waiver conditions based on spending thresholds. As of 2026, finance charges are 3.75% per month on outstanding balances, with late payment fees varying by amount.
| Metric | Value (₹) | Condition |
|---|---|---|
| Joining Fee | 499 + GST | Standard |
| Joining Fee Waiver | 0 | Retail spend of ₹20,000 within 90 days of card activation |
| Annual Fee | 499 + GST | Standard |
| Annual Fee Waiver | 0 | Retail spend of ₹80,000 in the previous card anniversary year |
| Finance Charges | 3.75% per month | On outstanding amount |
| Late Payment Fees | 10 – 1,300 | Depending on outstanding amount |
| Fuel Surcharge Waiver | Up to 150 | 1% waiver on transactions between ₹400 and ₹5,000 per statement cycle |
| Foreign Currency Transaction Fee | 3.49% | On all transactions |
| Revolving Credit Charge | 3.49% per month | Equivalent to 41.88% annually |
| EMI Conversion Charge (XpressEMI) | 1% of converted amount | Minimum charge of ₹99 + GST |
| Payment Return Charges | 500 | For bounced payments |
The card’s fee structure allows for waivers on both joining and annual fees, rewarding consistent usage. Cardholders should monitor their spending to meet the waiver criteria and avoid finance charges.
Eligibility & Application Process
To apply for the AU Altura Plus Credit Card in 2026, primary applicants must be Indian residents aged 21 to 60 years. Add-on cardholders can be above 18 years old, ensuring broader family access.
The application requires standard identity, address, and income verification documents, processed through AU Small Finance Bank’s online or offline channels.
- Primary Cardholder Age: Applicants must be between 21 and 60 years old to qualify for the AU Altura Plus Credit Card.
- Add-on Cardholder Age: Individuals above 18 years of age can be issued an add-on card.
- Residency Status: All applicants, primary and add-on, must be Resident Indians.
- Identity Proof: Acceptable documents include Passport, Driving License, or Aadhaar Card.
- Address Proof: Valid options are Passport, Voter ID, Aadhaar Card, recent Utility Bills, or Ration Card.
- Income Proof: Applicants need to submit recent Salary Slips, Form 16, or Income Tax Returns.
- Application Channels: Applications can be submitted online via the AU Bank website or offline at any AU Small Finance Bank branch.
- Student Option: Students over 18 can apply for the AU NOMO secured credit card, which is offered against a fixed deposit.
Meeting these criteria and submitting the required documents streamlines the application for the AU Altura Plus Credit Card, facilitating access to its benefits.
Unique Features & Advantages
The AU Altura Plus Credit Card offers specific benefits for everyday spending and travel in India. IT provides up to ₹1,800 in annual fuel savings and bonus reward points on milestone spends. This card is designed for users who seek value on retail purchases and utility bill payments.
- Cashback on Retail Spends: Cardholders receive 1.5% cashback on all Point-of-Sale (POS) retail transactions. This applies to both online and offline purchases.
- Accelerated Online Rewards: The card offers 2x Reward Points on online purchases, value for digital transactions.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver is available on transactions between ₹400 and ₹5,000 per statement cycle. The maximum benefit is capped at ₹150 per cycle, leading to annual savings of up to ₹1,800.
- Milestone Bonus Rewards: Spending ₹20,000 within 90 days of card activation waives the joining fee. An annual spend of ₹80,000 in the previous year waives the annual fee.
- Utility & Telecom Rewards: Users earn Reward Points on utility and telecom spends, with a maximum of 100 Reward Points per transaction. However, as of April 1, 2026, Reward Points will no longer accrue on Transportation Merchant Category Codes.
- Interest-Free Period: The card provides an interest-free period of up to 48 days on retail purchases. This period does not apply to cash withdrawals.
- XpressEMI Conversion: Purchases of ₹2,000 or more can be converted into EMIs. A 1% conversion charge, with a minimum of ₹99 plus GST, applies to these transactions.
The AU Altura Plus Credit Card combines cashback, accelerated rewards, and fee waiver opportunities for a full user experience.
Altura Plus Vs. Altura Credit Card
The AU Altura Plus Credit Card offers d benefits over the standard Altura card, including higher annual spend waivers and improved reward structures. As of 2026, the Altura Plus card provides 1.5% cashback on offline retail purchases, while the Altura card offers up to 2% cashback on specific categories like groceries.
| Feature | Altura Plus | Altura |
|---|---|---|
| Card Type | Superior version with d rewards | Basic cashback credit card |
| Joining Fee | Waived for ₹20,000 spent within 90 days of activation (otherwise ₹499 + taxes) | ₹199 + applicable taxes (waived for ₹10,000 spent for joining) |
| Annual Fee | Waived if ₹80,000 spent in previous year (otherwise ₹499 + taxes) | ₹199 + applicable taxes (waived if ₹10,000 spent in previous year) |
| Cashback/Rewards on Offline Spends | 1.5% cashback on all offline retail purchases (capped at ₹6,500/month) | 2% cashback on groceries, departmental stores, and utility bills (capped at ₹50 per category per month); 1% cashback on other retail spends |
| Cashback/Rewards on Online Spends | 2X reward points on online spends (excluding education, government payments, BBPS) | 1% cashback on other retail spends applies |
| Milestone Benefits | 500 bonus reward points when spending more than ₹20,000 in a month | ₹50 cashback bonus if spending ₹10,000 in a billing cycle |
| Fuel Surcharge Waiver | 1% waiver up to ₹150 on transactions between ₹400 and ₹5,000 per statement cycle | 1% waiver up to ₹150 on transactions between ₹400 and ₹5,000 per statement cycle (annual savings of ₹1,200) |
| Railway Lounge Access | 8 complimentary railway lounge visits each year (2 per quarter) | 2 complimentary railway lounge access every quarter |
| Finance Charges | 3.75% per month | 3.49% per month (41.88% annually) |
| Late Payment Fees | ₹10 to ₹1,300, depending on outstanding amount | Not explicitly specified, but standard bank charges apply |
| Foreign Currency Mark-up Fee | 3.49% per month (41.88% annually) | 3.49% per month (41.88% annually) |
| Primary Cardholder Age | 21 to 60 years | 21 to 60 years |
The Altura Plus card is designed for users with higher spending, offering greater reward potential and more railway lounge access compared to the basic Altura card.
Payment Options & Bill Desk
AU Small Finance Bank provides multiple payment channels for the Altura Plus Credit Card, ensuring convenient bill settlement for cardholders. Both AU Bank account holders and non-account holders can manage their credit card payments effectively.
- Internet Banking: AU Small Finance Bank account holders can pay their Altura Plus Credit Card bills directly through the bank’s internet banking portal.
- Mobile Banking: Payments are also helpd via the AU Small Finance Bank mobile banking application, offering on-the-go convenience.
- ATM Payments: Cardholders can use AU Bank ATMs to make payments towards their Altura Plus Credit Card outstanding balance.
- Standing Instruction (Autopay): Setting up an Autopay instruction ensures automatic deduction of the bill amount from an AU Bank account, preventing late payments.
- Bill Desk Facility: Non-AU Small Finance Bank account holders can use the Bill Desk facility, allowing payments via other banks’ Net Banking accounts or NEFT transfers using the IFSC code AUBL0CCARDS.
- Cheque/Draft Drop Boxes: Payments can be made by dropping cheques or drafts into designated AU Small Finance Bank Credit Card drop boxes located at bank branches.
- Cash Payments: Cardholders also have the option to make cash payments directly at any AU Small Finance Bank branch.
These diverse payment methods help cardholders manage their AU Altura Plus Credit Card bills efficiently and avoid late payment fees, which range from ₹10 to ₹1,300 depending on the outstanding amount.
AU Bank Credit Card Resources
AU Small Finance Bank, established in 1996, operates across 21 states and three Union Territories in India, serving lakhs of customers. As of March 2026, AU Bank manages over 10 lakh active credit cards, offering various financial tools and support services.
| Resource | Type | Where to Access |
|---|---|---|
| AU Small Finance Bank Website | Official Bank Portal | au.bank.in |
| AU Altura Plus Credit Card | Product Page | AU Small Finance Bank Website |
| AU Altura Credit Card | Product Page | AU Small Finance Bank Website |
| AU Rewardz Program | Loyalty Program Details | AU Small Finance Bank Website |
| Credit Card Application & Activation Guide | Support & Help Centre | AU Small Finance Bank Website |
| AU Small Finance Bank Credit Card Department | Physical Address | AU Centre, 3rd Floor, Sunny Trade Centre, New Atish Market Jaipur, Rajasthan – 302020 |
| AU Small Finance Bank Registered Office | Physical Address | 301-306, 3rd Floor, Abhijeet -V, Opp. Mayor’s Bunglow, Law Garden Road, Mithakhali, Ahmedabad 380 006, Gujarat, India |
| Net Banking / Mobile Banking | Payment Option for AU Account Holders | AU Small Finance Bank Online Platforms |
| Bill Desk Facility | Payment Option for Non-AU Account Holders | Online (using other banks’ Net Banking or NEFT with IFSC code AUBL0CCARDS) |
| AU Small Finance Bank Branches | Cash/Cheque Payment Option | Across 21 states and 3 Union Territories in India |
| Paisabazaar.com | Credit Card Comparison Portal | Online (for Altura Plus and Altura Credit Card details) |
| Card Insider | Credit Card Information Portal | Online (for AU Small Finance Bank Credit Cards overview) |
These resources provide full details on AU Bank’s credit card offerings, including application processes, fee structures, and payment methods for cardholders.
Key Takeaways
- AU Small Finance Bank has over 10 lakh active credit cards as of March 2026, indicating a significant presence in the Indian market.
- The bank offers multiple channels for credit card bill payments, including online banking, Bill Desk for other bank account holders, and physical branch payments.
- Detailed information on specific credit cards like Altura Plus, including features, fees, and eligibility, is available on the official AU Small Finance Bank website and partner portals.
To explore specific card benefits and apply, visit the official AU Small Finance Bank website.
Frequently Asked Questions (FAQs)
What are the joining and annual fees for the AU Altura Plus Credit Card in 2026?
The AU Altura Plus Credit Card has a joining fee and an annual fee of ₹299 plus applicable taxes as of 2026. The joining fee is waived if you spend ₹20,000 within 90 days of card activation. The annual fee is waived if your spending in the previous year exceeded ₹80,000.
What are the main reward benefits of the AU Altura Plus Credit Card?
The AU Altura Plus Credit Card offers 2X Reward Points on online retail spending and 1X Reward Point on offline retail spending. You also receive 500 bonus Reward Points each month on spending ₹10,000 or more. Reward Points are not earned on fuel, rent, education, or government transactions.
Does the AU Altura Plus Credit Card offer fuel surcharge waivers?
Yes, the AU Altura Plus Credit Card provides a 1% fuel surcharge waiver at all fuel stations across India. This waiver is applicable on transactions between ₹400 and ₹5,000. You can save up to ₹1,800 annually on fuel transactions with this benefit.
What are the finance charges and late payment fees for the AU Altura Plus Credit Card?
As of 2026, the finance charge on outstanding balances for the AU Altura Plus Credit Card is 3.75% per month. Late payment fees range from ₹10 to ₹1,300, depending on your total outstanding amount. Always check the latest fee schedule on the AU Small Finance Bank website.
What is the eligibility criteria to apply for the AU Altura Plus Credit Card?
To apply for the AU Altura Plus Credit Card, applicants must be Indian residents between 21 and 60 years old. You need a stable income source and a good CIBIL score, typically above 750, to qualify. Specific income requirements vary by applicant profile.
Can I get lounge access with the AU Altura Plus Credit Card?
The AU Altura Plus Credit Card does not typically offer complimentary domestic or international airport lounge access. This card focuses on everyday spending rewards and fuel benefits. For lounge access, consider higher-tier credit cards from AU Small Finance Bank.
How do I redeem reward points earned on the AU Altura Plus Credit Card?
You can redeem your AU Altura Plus Credit Card Reward Points through the AU Small Finance Bank’s net banking portal or mobile app. Points can be exchanged for various options, including cashback, e-vouchers, or products from their rewards catalogue. Ensure you check the redemption value before proceeding.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.