CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
AU Small Finance Bank

Altura Plus Debit Card

43
Ranked #5 of 66 in debit
debitVisaEntry-Mid

AU Small Finance Bank's entry-mid debit card offering cashback on retail spends and railway lounge access, issued against an AU savings account.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value32/100 · weight 71%
≈ 1.50% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
No rewards on: rent, fuel. Reward score is scaled by ×(1 − 3.2%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency100/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks0/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
—
Annual fee
Lifetime free
Waiver: Genuinely fee-free (debit card, tied to savings account)
Forex markup
3.49%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
all_spendscashback1.5%——
offline_spendscashback1.5%—1.5% cashback on offline retail POS
online_spendscashback1%₹300 / monthly—

Welcome offer

None specified

Milestone benefits

Pros

  • Genuinely fee-free debit card
  • decent cashback rate for a debit product
  • railway lounge access unusual for debit tier

Cons

  • Debit card — spending limited to account balance, no credit facility
  • cashback capped

Insurance cover

text
₹NaN

Eligibility

text
Requires active AU Small Finance Bank savings account

Small print

Fuel surcharge:1% waiver, standard range