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Key Features & Benefits
- ✦2 Reward Points per ₹100 on online spends
- ✦1 Reward Point per ₹100 on all offline spends
- ✦2 complimentary railway lounge visits per quarter
- ✦Zero annual fee — lifetime free
- ✦1% fuel surcharge waiver
- ✦RuPay variant available for UPI payments
- ✦Contactless payments enabled
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Welcome & Joining Benefits
- ✦Welcome cashback on first transaction
Milestone Benefits
- ✦Check bank's official website for current benefits
Pros & Cons
✓ Advantages
- ✓Completely free — lifetime zero cost
- ✓Railway lounge access for train travellers
- ✓RuPay variant enables UPI rewards
- ✓Good first credit card
✗ Disadvantages
- ✗No airport lounge
- ✗3.49% forex
- ✗Low base reward rate
Frequently Asked Questions
Why choose AU Altura over other free cards?
AU Altura is from a trusted, well-capitalised SFB. The RuPay variant enables UPI payment rewards, and railway lounge access is a rare free-card benefit. Ideal for AU Bank customers or those who travel by train.
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