Cards / AU Small Finance

AU Small FinanceAltura+

Altura+ Credit Card

AU Small Finance Bank · Cashback

Reviewed by Chandan Kumar Dash

1.5% cashback on offline retail spends; 2X reward points on online spends; 1 reward point per ₹100 on other spends.

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Joining fee

₹499

Annual fee

₹499

Waiver spend

₹80,000

Forex markup

3.49%

Fee waiver

Spend ₹80,000 in a card year and the next annual fee is waived. Spends on education, fuel, rent do not count.

That is about ₹6,667 a month.

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How the app counts rewards

• 1 point per ₹100 on utilities, telecom and insurance
• 2 points per ₹100 on online spends
• 1.5% cashback on in-store spends (up to ₹100 a cycle, then 1 point per ₹100)

No rewards on education, fuel, rent.

Points

Reward Points, worth about ₹0.2 each on the usual redemption.

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Who can apply

• Age 21 to 65

Salaried: 21 to 60 years. Self-employed: 25 to 65 years.

Published minimums. Approval is the bank's decision. See every card you qualify for.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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