AU SFB Altura Plus Credit Card

The Bottom Line

Low Fee, Lower Rewards

2 reward points / ₹100 on online spends, 1 point utility, rent, insurance, education, government services & all other spends and 1.5% cashback on all POS retail spends.

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Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	-0.5%^	0.4%	0.4%	0.3%	0.3%
Est. Monthly Reward (₹)	(25)	35	75	170	335
All-India Rewards Rank*	197	167	233	323	327
Within Bank Rank*	6	6	7	8	8
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. ^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The AU SFB Altura Plus Credit Card gives 1.5% cashback on all offline retail spends, 0.50% effective reward on online spending & 0.25% on all other spends.

You can earn a net reward yield up to 0.3% on all spending with this card in a month.

The Vetta Credit Card is best for AU SFB customers spend between ₹20,000-50,000 a month on their cards. The Vetta offers a net reward yield of 0.8-0.9% based on our calculations.

The Zenith Credit Card offer the best reward yield for high spending AU SFB cutomers. We estimate the Zenith gives a net reward yield of 1.8% if you spend more than ₹50,000 a month with this card.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card	AU SFB Altura Plus Credit Card
Card Type	Reward + Cashback
Reward / Cashback Features	2 reward points / ₹100 on online spends 1 reward points / ₹100 on: – Utility – Rent – Insurance – Education – Government Services – All Oher Spends 1.5% Cashback on all POS retail spends
Milestone Rewards	500 bonus points on ₹20,000 retail spends / mth.
Other Rewards	2 Complimentary Railway Lounges / Qtr.
Rewards Redemption Fee	Nil
Reward / Cashcack Caps	₹100 Cashback on all POS retail spends
Preferred Redemption Method	Redeem on AU Rewardz Portal @₹0.25/reward point for E-Vouchers, Merchandise, Flight and Hotel Bookings

Fees & Charges

Card		AU SFB Altura Plus Credit Card
Joining Fee		₹499 + Taxes
Annual Fee		₹499 + Taxes
Min. Annual Credit Card Spend for Fee Waiver		₹80,000
Income Criteria	Salaried	N/A
Income Criteria	Self-employed	N/A
Supplementary Card Fee		Free
Interest Rate		41.88% p.a.
Foreign Currency Markup		3.50%
Cash Advance Charge		2.50% with a minimum of ₹100