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

AU Bank Altura Credit Card

50
Ranked #31 of 170 in credit
creditRuPay/VisaEntry

AU Bank entry-level lifetime-free credit card offering basic cashback, railway lounge access and a fuel surcharge waiver — designed as an accessible starter card.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value43/100 · weight 71%
≈ 2.00% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
No rewards on: government, rent. Reward score is scaled by ×(1 − 2.7%), 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: Lifetime free entry-level card, no fee to waive
Forex markup
3.49%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
all_spendscashback2%—Up to 2% cashback on POS spends per multiple sources

Welcome offer

Vouchers of top brands worth Rs1,000 on first POS retail transaction

Milestone benefits

Pros

  • Genuinely lifetime free
  • decent cashback on POS spends for a zero-fee card
  • railway lounge access unusual for entry-level card

Cons

  • No airport lounge access
  • low reward rate outside select categories
  • basic insurance cover only

Insurance cover

text
₹NaN

Eligibility

text
Age 21-60 (primary); stable income; Indian resident; entry-level eligibility criteria (indicative)

Small print

Fuel surcharge:1% fuel surcharge waiver, Rs400-5,000 txn range, capped ~Rs150/statement cycle