Visaentry-level

AU Bank Altura Plus Credit Card

AU Small Finance Bank

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Annual Fee

₹499

Cashback

Up to -Infinity%

Lounge Visits

None

Min Income

None

Cashback Details

Category	Cashback Rate	Details
Online	2X	2 Reward Points per ₹100 on all online retail transactions

Monthly cashback cap: ₹100

Joining Fee₹499(Waived on ₹20,000 in retail spend within 90 days of card setup)

Annual Fee₹499(Waived on ₹80,000 in retail spend in the previous card anniversary year (from Year 2 onwards))

1% fuel surcharge waiver

Min Annual IncomeNo minimum

Age21 - 65 years

EmploymentSalaried & Self-employed

₹499 joining and annual fee; waived on ₹20,000 retail spend within 90 days of card setup (Year 1) or ₹80,000 annual retail spend in the previous anniversary year (Year 2 onwards)
1.5% cashback on all POS retail transactions at merchant outlets, capped at ₹100 per statement cycle
2 Reward Points per ₹100 on all online retail transactions (uncapped accumulation)
1 Reward Point per ₹100 on POS retail transactions after the monthly cashback cap is reached
500 bonus Reward Points every month on achieving ₹20,000 in retail spend in a calendar month
₹500 welcome voucher on spending ₹10,000 within 60 days of card setup
2 complimentary railway lounge access visits per quarter at select Indian railway stations (VISA programme: New Delhi, Kolkata Sealdah, Ahmedabad, Jaipur, Agra)
1% fuel surcharge waiver
No maximum cap on Reward Points accumulation