M16S / AU Small Finance Bank / AU Altura Plus Credit Card
entry · cashback, rewards
AU Altura Plus Credit Card
The AU Altura Plus Credit Card costs Rs 499 a year, waived if you spend Rs 80,000 in a year. Its base return is 1.5%. Accelerated earn: 2 RP per Rs 100 on online spends; 1 RP per Rs 100 on utility, telecom and insurance. The forex markup is 3.49%. Lounge visits in India: Railway lounges only: 8 per year (page meta text says 2); no airport lounge. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 499+ GST
- Fee waived at
- Rs 80,000annual spend
- Base return
- 1.5%
- Forex markup
- 3.49%
- Interest
- 3.75%a month
What changed on this card
- AU Bank changes fuel fair usage charge to 1% on all fuel spend, Jul 2026
From 1 July 2026 there is no charge if each fuel transaction is under Rs 10,000 and monthly fuel spend is under Rs 25,000. Above either limit, AU charges 1% on the entire monthly fuel spend. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% charge on transport spends above limits, Jun 2026
From 14 June 2026 AU charges 1% on the entire monthly transportation spend (MCC 4111, 4112, 4784) when it exceeds 50% of the credit limit or Rs 25,000, whichever is lower. IRCTC, some travel partners and ixigo AU cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% fair usage charge on fuel and utility spends, Aug 2024
From 15 August 2024 AU charges 1% on monthly fuel spends above 50% of the credit limit or Rs 50,000, whichever is lower, and 1% on monthly utility spends above Rs 50,000. Corporate and Purchase cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank sets card interest at 3.75% a month, Aug 2024
From 15 August 2024 the interest rate (APR) is 3.75% per month (45% per annum) on all AU credit cards except Zenith+, Corporate and Purchase cards. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 499 |
|---|---|
| Annual fee | Rs 499 |
| Annual spend that waives the fee | Rs 80,000 |
| Fee notes | Rs 499 + GST. First-year fee waived on Rs 20,000 retail spend within 90 days; renewal waived on Rs 80,000 retail spend in previous anniversary year. |
Rewards
| Reward currency | Cashback + Reward Points |
|---|---|
| Base earn | 1.5% cashback on offline retail spends up to Rs 100 per statement cycle; after the cap 1 RP per Rs 100 offline |
| Base return | 1.5% |
| Point valueunverified | 1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page) |
| Accelerated earn | 2 RP per Rs 100 on online spends; 1 RP per Rs 100 on utility, telecom and insurance |
| Caps | Cashback Rs 100 per statement cycle. Utility & telecom: 100 RP per transaction. |
| Spends that earn nothing | Cash, rent, education & government, EMI, fuel, BBPS, quasi-cash; transportation MCCs from 1 Apr 2026 |
| Points expiry | 2 years from accrual (Card Member Agreement cl. 23.8) |
| Milestone benefits | 500 bonus RP on Rs 20,000+ retail spend in a calendar month (fuel and cash excluded) |
| Reward notes | Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct is the 1.5% offline cashback, which stops at about Rs 6,667 of offline spend per cycle; beyond that the return falls to roughly 0.25%. |
Travel and perks
| Domestic loungeunverified | Railway lounges only: 8 per year (page meta text says 2); no airport lounge |
|---|---|
| International lounge | None |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement month |
| Other freebies | Device protection plan; card liability cover; free add-on cards |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
| Cash advance fee | 2.5% of amount withdrawn, min Rs 500 |
| Eligibility | Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published. |
| Fine-print notes | Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. |
Questions
- What is the annual fee of the AU Altura Plus Credit Card?
- Rs 499 a year, before GST. It is waived if you spend Rs 80,000 in a year.
- Does the AU Altura Plus Credit Card give airport lounge access?
- Yes. In India: Railway lounges only: 8 per year (page meta text says 2); no airport lounge. Outside India: none listed.
- What is the forex markup on the AU Altura Plus Credit Card?
- 3.49% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the AU Altura Plus Credit Card?
- Cash, rent, education & government, EMI, fuel, BBPS, quasi-cash; transportation MCCs from 1 Apr 2026