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AU Altura Credit Card VS AU Altura Plus Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both AU Altura Credit Card and AU Altura Plus Credit Card suit shopping-focused spenders, but they earn and cost differently. AU Altura Credit Card costs ₹199 + GST and earns 2% cashback on utility bills, groceries, and departmental stores, and 1% on all other spends. AU Altura Plus Credit Card costs ₹499 + GST and earns 1.5% cashback on POS retail spends; 2 Reward Points for every Rs. 100 on online transactions. AU Altura Credit Card also brings 2 complimentary visits to selected railway lounges in India per quarter, while AU Altura Plus Credit Card counters with 2 complimentary railway lounge access visits every quarter at select locations. If utilities spending matters more, go with AU Altura Credit Card; if travel is the priority, AU Altura Plus Credit Card fits better.

AU Altura Credit Card
AU Altura Credit Card
AU Altura Plus Credit Card
AU Altura Plus Credit Card

Fees & Charges

Joining Fee₹199 + GST
Joining Fee₹499 + GST
Renewal Fee₹199 + GST
Renewal Fee₹499 + GST
Spend Based WaiverJoining Fee waiver: Spend Rs. 10,000 in the first 90 days. Annual Fee waiver: Spend Rs. 40,000 or more in a year.
Spend Based WaiverAnnual charges waived by spending Rs. 80,000 in a card anniversary year.
Foreign Transaction Fees3.49% on all international spends.
Foreign Transaction Fees3.49% on all foreign currency spends.
Interest Rate (APR)3.49% per month.
Interest Rate (APR)3.59% Per Month (43.08% Per Annum).

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Rewards RateEarn 2% cashback on utility bills, groceries, and departmental stores, and 1% on all other spends.
Rewards Rate1.5% cashback on POS retail spends; 2 Reward Points for every Rs. 100 on online transactions.
Reward TypeCashback
Reward TypeReward Points, Cashback
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access2 complimentary visits to selected railway lounges in India per quarter.
Domestic Lounge Access2 complimentary railway lounge access visits every quarter at select locations.
International Lounge Access
International Lounge Access
Travel Benefits
2 complimentary visits to selected railway lounges in India per quarter. Lounge facilities available at Kolkata, Ahmedabad, Jaipur, Agra, and Madurai.
Travel Benefits2 complimentary railway lounge access visits every quarter at select locations.
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions between Rs. 400 and Rs. 5,000, capped at Rs. 100 per statement cycle.
Fuel Surcharge Waiver1% waiver for transactions between Rs. 400-5,000, capped at Rs. 150 per cycle.

Security & Other

Insurance BenefitsZero liability protection against a lost card.
Insurance BenefitsZero liability protection.
Cash Advance ChargesRs. 100 or 2.5% of the cash amount withdrawn, whichever is higher.
Cash Advance Charges2.5% of advanced amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Altura Credit Card

AU Altura Plus Credit Card

Who is it for?

The AU Altura Credit Card is a basic and pocket-friendly cashback credit card from AU Small Finance Bank, ideal for individuals starting their credit journey. It offers significant savings with up to 2% cashback on essential categories like utilities and groceries, along with 1% on other spends. Cardholders also benefit from monthly milestone cashback, complimentary railway lounge access, and a fuel surcharge waiver, all while maintaining minimal annual charges.

Who is it for?

The AU Altura Plus Credit Card is an affordable and superior credit card from AU Small Finance Bank, perfectly suited for individuals who prioritize shopping benefits. It offers a competitive 1.5% cashback on retail spends and 2x reward points on online purchases, with no maximum cap on reward points. Cardholders also enjoy valuable perks like complimentary railway lounge access and a spend-based annual fee waiver. This card is an excellent primary option for those seeking a blend of rewards and travel benefits.

Pros

Key benefits and features.

Enjoy significant savings with up to 2% cashback on daily essential spends.

Benefit from a monthly milestone cashback of Rs. 50 on spending Rs. 10,000.

Access complimentary railway lounges in India, enhancing your travel experience.

Receive a 1% fuel surcharge waiver, providing savings on your fuel expenses.

Offers zero liability protection, safeguarding against unauthorized card use.

Pros

Key benefits and features.

Enjoy complimentary railway lounge access, enhancing travel convenience.

Benefit from a competitive 1.5% cashback on all retail spends at merchant outlets.

Earn accelerated 2 Reward Points for every Rs. 100 spent on online transactions.

Achieve 500 bonus Reward Points monthly by meeting a reasonable spend threshold.

The annual fee can be easily waived by achieving a specified spend target.

Cons

Key drawbacks and limitations.

Cashback earnings are capped per statement cycle, limiting overall savings potential.

No cashback is provided on key transaction types like fuel, rent, and wallet spends.

The card does not provide any complimentary airport lounge access.

A foreign currency markup of 3.49% applies to international spends.

Cons

Key drawbacks and limitations.

The AU Altura Plus Credit Card does not offer any complimentary airport lounge access.

Cashback on retail spends is capped at Rs. 100 per statement cycle, limiting benefits.

Fuel transactions do not earn any reward points or cashback with this card.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for AU Altura Credit Card(opens in new tab)Apply for AU Altura Plus Credit Card(opens in new tab)