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AU Small Finance Bank
1.5% cashback and 8 railway lounge visits — with a year-two waiver set at Rs. 8,00,000
One-time
Waived on ₹8,00,000/yr
Uncapped rewards
Score 700+
Applying takes you to AU Small Finance Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
1 reward rate with their caps, taken from AU Small Finance Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Oct 2026.
See where each figure came fromEverything else
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
1.5% on Everything else — Retail spending, with 2X reward points. Paid as cashback against the statement., with no stated cap.
Biggest limitation
From year two the Rs. 499 fee is waived only on Rs. 8,00,000 of spending in a card year, about Rs. 67,000 a month — twenty times the threshold on AU's cheaper Altura.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
1.5%
uncappedEverything else
Retail spending, with 2X reward points. Paid as cashback against the statement.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹0 | — |
| Annual / renewal fee | ₹499 | The Rs. 499 annual fee is waived in year one on Rs. 20,000 of spending within 90 days of card set-up, and from year two on Rs. 8,00,000 of spending in a card year |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | 15% + GST | 15% of the total amount due, subject to a minimum of Rs. 10 and a maximum of Rs. 1,300, plus GST |
| Foreign currency markup | 3.49% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹8,00,000 a year
is what it takes to keep the ₹499 fee off — about ₹66,667 a month
This card carries no airport lounge access.
1% waiver. 1% fuel surcharge waiver on eligible fuel transactions.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
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AU Small Finance BankAU Bank Xcite Ultra Credit Card₹884
AU Small Finance BankAU Bank LIT Credit CardLifetime free
AU Small Finance BankAU Bank Altura Credit Card₹199
AU Small Finance Bankixigo AU Credit CardLifetime freeSuryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| AU Bank Altura Plus Credit Card · this card | ₹499 | 1.5% everything else | No |
| AU Bank NOMO Credit Card | ₹0 | Up to 2 reward points per ₹100 | Included |
| AU Bank Xcite Ultra Credit Card | ₹884 | Up to 12 reward points per ₹100 | Included |
| AU Bank LIT Credit Card | Lifetime free | Up to 5% cashback | Included |
| AU Bank Altura Credit Card | ₹199 | Up to 2% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹499 plus GST, waived on ₹8,00,000 of annual spend.
The strongest published rate is 1.5% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Credited as cashback against the card statement
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
In year one on Rs. 20,000 of spending within 90 days of card set-up, which is easy. From year two it is waived on Rs. 8,00,000 of spending in a card year — about Rs. 67,000 a month. That is the single most important figure on this card and it is twenty times the threshold on AU's cheaper Altura.
For most people, the Altura. It costs Rs. 199 against Rs. 499, its year-two waiver needs Rs. 40,000 of spending against Rs. 8,00,000, and it pays 2% on groceries, departmental stores and utility bills against the Plus's 1.5% flat. The Plus only wins if your annual spending is genuinely near Rs. 8 lakh, at which point the fee disappears and the flat rate applies to all of it.
1.5% cashback with 2X reward points on retail spending, credited against the statement rather than held as points to redeem. It is a flat rate with no accelerated category, which makes it simple — but the Altura's 2% on three household categories is higher where most spending actually falls.
No. Like the Altura it gives eight complimentary railway lounge visits a year and no airport lounge access at all. The lounge allowance is identical on both cards, so it is not a reason to pay the higher fee.
AU publishes a 3.49% foreign currency markup on this variant, which is at the market standard. AU's own ixigo AU card is lifetime free and charges 0.99%, so for foreign spending that is the card to hold from this issuer rather than either Altura.
3.75% a month, or 45% a year, on revolving credit, with the interest-free period running up to 50 days if the bill is paid in full and not applying to cash withdrawals. Late payment is 15% of the total amount due, minimum Rs. 10 and maximum Rs. 1,300, plus GST.
AU waives the Altura Plus fee in year one on Rs. 20,000 of spending within 90 days, which almost anybody clears. From year two it waives it on Rs. 8,00,000 of spending in a card year — about Rs. 67,000 a month.
Set that next to AU's own Altura, where the year-two waiver is Rs. 40,000. The Plus asks twenty times as much spending to remove a fee that is two and a half times larger. For anybody not spending near Rs. 8 lakh a year, the Plus is a card with an annual bill and the Altura is a card without one.
Less than the price suggests. The lounge allowance is identical — eight railway visits a year on both, no airport access on either. The fuel surcharge waiver is the same 1% across India. The foreign currency markup is the same 3.49%.
The difference is the reward structure: a flat 1.5% with 2X reward points against the Altura's 2% on groceries, departmental stores and utility bills plus 1% elsewhere. So the Plus pays more on spending outside those three categories and less inside them — and for most households, inside them is where the money goes.
At genuinely high spending. If you put Rs. 8 lakh a year through the card, the fee disappears and a flat 1.5% applies to all of it, including the categories the Altura only pays 1% on. At that level the Plus returns Rs. 12,000 a year against the Altura's split rate, and the fee is nil.
Below that it is a worse version of a cheaper card. The honest reading is that this is not a mid-tier card so much as a high-spend variant of an entry one, and AU's own pricing makes the choice for you at about Rs. 67,000 a month.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
AU Bank Altura Plus Credit Card — 1.5% on everything else. ₹499 a year.