What is the joining fee for the Altura Plus Credit Card?

The joining fee for the AU Small Finance Bank Altura Plus Credit Card is ₹499 plus applicable taxes.

How can I get a waiver on the annual fee for my Altura Plus Credit Card?

You can get a waiver on the 1st year fee by spending ₹20,000 within 90 days. For subsequent years, spend ₹80,000 in the previous anniversary year to waive the renewal fee.

Does the AU Altura Plus Credit Card offer lounge access?

Yes, the Altura Plus Credit Card provides 2 complimentary railway lounge accesses per calendar quarter at select stations across India. It does not offer airport lounge access.

What is the reward redemption rate for Altura Plus Credit Card points?

Reward points on the AU Altura Plus Credit Card can be redeemed at a rate of 1 Reward Point = Re. 0.25 through the AU Rewardz portal.

Are there any foreign transaction fees on the Altura Plus Credit Card?

Yes, the AU Small Finance Bank Altura Plus Credit Card has a foreign currency markup of 3.49% on all international spends.

What are the interest rates on the Altura Plus Credit Card?

The interest rate on the AU Altura Plus Credit Card is 3.59% per month, equivalent to 43.08% per annum.

Does the Altura Plus Credit Card have a fuel surcharge waiver?

Yes, the AU Small Finance Bank Altura Plus Credit Card offers a 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000, capped at ₹150 per statement cycle.

Can I get add-on cards with the AU Altura Plus Credit Card?

Yes, add-on cards are available free for lifetime with the AU Small Finance Bank Altura Plus Credit Card, allowing you to extend benefits to loved ones.

AU Small Finance Bank

AU Altura Plus Credit Card

Q: What kind of insurance benefits does the Altura Plus Credit Card offer?

The Altura Plus Credit Card includes zero liability protection against fraudulent transactions and free insurance with extended warranty on mobile and electronic purchases.

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Last updated: 16 November 2025

Benefits & Features

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Rewards Rate

Earn 1.5% cashback on POS retail (capped at ₹100/cycle); 2X RPs on online; 500 bonus RPs monthly on ₹20,000+ spend.

Reward Type

Reward Points and Cashback

Reward Redemption

Redeem via AU Rewardz portal for e-vouchers, merchandise, recharges, flight/hotel bookings. 1 RP = Re. 0.25.

Domestic Lounge Access

2 complimentary railway lounge access per calendar quarter at select stations (Kolkata, Ahmedabad, Jaipur, New Delhi, Madurai, Agra).

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Zero liability protection against fraudulent transactions and free insurance with extended warranty on mobile/electronic purchases.

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Enjoy 2 complimentary railway lounge access per calendar quarter at select stations.

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