AUAU Small FinanceAltura+
Altura+ Credit Card
AU Small Finance Bank · Cashback
1.5% cashback on offline retail spends; 2X reward points on online spends; 1 reward point per ₹100 on other spends.
- 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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Fee waiver: what is left to spend
Card EMI or personal loan?
Cost of paying only the minimum
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.
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.
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 2026.10.04.
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