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First Card / Entry·AU Small Finance Bank
AU Altura+ — 1.5% offline retail cashback and railway lounge access at ₹499/year.
Age 21–60 · From ₹15,000/mo income · Unsecured
Key Benefits
All 11 benefits →Offline retail
1.5% cashback
₹100/billing cycle
Online
2 RP/₹150
Utilities / telecom / insurance
1 RP/₹150
Railway lounge
8 visits/year
High annual fee — may not pay off at moderate spend
At ₹31,000/mo (our moderate profile), net value is -₹369/yr after fees. Rewards alone turn positive around ₹82,950/mo in similar category spends.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: AU Altura+ product page / T&Cs
Low income threshold, easy approval
Source: AU Altura+ product page / T&Cs
Offline retail
1.5% cashback
Cap: ₹100/billing cycle
Example: ₹100/mo spend → ≈ ₹1.50/mo (max at cap)
Online
2 RP/₹150
Utilities / telecom / insurance
1 RP/₹150
Railway lounge
8 visits/year
Lounge access
8 complimentary railway lounge visits per year
Spend criteria: No minimum spend required for lounge access
See worked examples of how points convert to cash value
online shopping — 2 pts per ₹150 spend
You spend
₹10,000
You earn
133 pts
Worth ≈
₹33.33
@ ₹0.25/point
utilities — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹16.67
@ ₹0.25/point
all — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹16.67
@ ₹0.25/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations.
Annual fee ₹499 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
₹499
Annual / renewal fee
Charged every year unless waived
₹499
Forex markup
3.5% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–60 years · ₹15,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹640/year. After the ₹499 annual fee, net value is approximately -₹369/year. Use the calculator above to model your own spends.
₹15,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent.
Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
