AU Bank Altura Plus Credit Card: Fees, Rewards & Real Value
The AU Bank Altura Plus Credit Card is AU Small Finance Bank’s flat-cashback card, designed for everyday shoppers who prefer simple unlimited cashback on POS and online transactions. Here’s the 2026 breakdown.
Key Fees
- Joining/annual fee: verify current (typically ₹500 + GST range)
- Fee waiver based on annual spend thresholds
Cashback Structure
- 1.5% cashback on all POS retail spends — capped at ₹100 per statement cycle
- 2X Reward Points on online transactions (2 RP per ₹100)
- 1 RP per ₹100 on Utility, Telecom, and Insurance spends
Welcome Benefit
Welcome vouchers worth ₹500 on minimum retail spend of ₹10,000 within 60 days of card setup.
Other Benefits
- Free insurance and extended warranty on mobile and electronic purchases
- Fuel surcharge waiver on eligible transactions
- Contactless payments
Who Should Get It
- Users wanting simple flat cashback on POS spending
- AU Bank customers seeking a rewards card
- Buyers of mobiles/electronics — the purchase protection insurance is a differentiator
When to look elsewhere
- You spend heavily — the ₹100/cycle cashback cap is very low
- You want stronger online rewards — Amazon Pay ICICI or Flipkart Axis deliver much more
How to Apply
Apply on the AU Bank Altura Plus page. Eligibility: salaried ₹20,000+/month, CIBIL 700+.
Final Verdict
The Altura Plus is a decent starter card for AU Bank customers, but the ₹100/cycle cashback cap (equivalent to ₹6,667 spend) limits meaningful returns. For broader rewards, the AU LIT (Pay-Per-Feature) or other cards in this segment deliver more.
See also: AU Bank LIT review, cashback vs rewards points.
Last updated: April 2026. Verify current terms on the AU Altura Plus page.