AU Small Finance Bank Altura Plus credit card
AU Small Finance BankVisaEntry-level

Altura Plus credit card

Simple cashback: 2% on grocery, dining and department stores, 1.5% elsewhere.

50
Personal score50/100● Good fit
Recurring net savings₹2,160/yrafter fee, GST and caps · bills paid in full
First-year value₹1,571no welcome offer, ₹589 joining fee
Effective savings rate0.7%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹589waiver at ₹80,000 spend
Lounge access✈4 domyou can use 2 of your visits
PersonaliseOfficial page ↗

Source: AU Small Finance Bank – Altura Plus product page · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹1,200/yr2% on grocery, dining, department stores
Waived₹589 fee
2/2lounge visits covered
1/1lifestyle perks matched
−₹1,758lost to caps
₹36,000earns nothing (fuel)

! Base rate 1.5% on other spends is capped – you lose about ₹1,758 a year above the cap.

Where the money comes from

₹2,160/yr · 0.7%
2% on grocery, dining, department storeson ₹85,440 · cap hit₹1,200
Base rate 1.5% on other spendson ₹1,57,200 · cap hit₹600
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 50 is built

weights total 100% · methodology
Net savings rate11/100 × 55%6.1
Usable lounge access100/100 × 15%15.0
Redemption flexibility100/100 × 10%10.0
Lifestyle fit100/100 × 10%10.0
Simplicity80/100 × 5%4.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

Open Lounge Finder →
42airports in India
50lounges you can enter
1 per quarterdomestic · needs ₹20,000 spend per quarter
Noneinternational

How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 4 lounges
  • ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
  • ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
  • ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
BOM Mumbai 3 lounges
  • ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
  • ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 2 lounges
  • ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
  • ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 2 lounges
  • ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
  • ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
HYD Hyderabad 2 lounges
  • ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
IXA Agartala 1 lounge
  • ✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
AMD Ahmedabad 1 lounge
  • ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
ATQ Amritsar 1 lounge
  • ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
AYJ Ayodhya 1 lounge
  • ✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk
IXB Bagdogra 1 lounge
  • ✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BHO Bhopal 1 lounge
  • ✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BBI Bhubaneswar 1 lounge
  • ✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

+ 30 more airports in the Lounge Finder.

Card facts

💳 Base earn1.5%value on eligible spend
⚡ Accelerated2% 2% on grocery, dining,…
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹589/yr incl. GSTwaived on ₹80,000 spend · joining ₹499
🎁 Welcome (year 1)none
🏁 Milestonesnone
✈️ Lounge✈1/qtr dom🌏0 intlneeds ₹20,000/quarter · 1 domestic per quarter on ₹20k prior-quarter spend
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹1/Cashback ★★★★★Credited to statement.
🧩 Simplicity★★★★☆set and forget
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Cashback simplicity
  • Lounge on entry card
  • Easy waiver
  • Very small caps
  • Bills excluded
  • Better cashback cards exist

Community Q&A on the Altura Plus

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the AU Small Finance Bank Altura Plus?

Joining fee ₹499 and renewal fee ₹499, plus 18% GST (₹589 a year). The renewal fee is waived if you spend ₹80,000 in the card year.

Does the Altura Plus give airport lounge access?

4 domestic/yr. 1 domestic per quarter on ₹20k prior-quarter spend. Access needs ₹20,000 spend per quarter.

How much can I save with the Altura Plus?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹2,160 a year, an effective savings rate of 0.7% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Altura Plus's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. 2% on grocery, dining, department stores: capped at ₹100 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.