AU Altura+ Credit Card

Lifetime FreeLifetime free

Zero Joining And Annual Fees
Earn Up To 2 Reward Points Per ₹100 Spent
Enjoy 1.5% Cashback On Offline POS

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Is the AU Altura+ Credit Card worth it?

The AU Altura+ Credit Card is a lifetime-free card from AU Small Finance Bank. It suits a safe first card, or a zero-cost everyday backup to a card you already hold. For this card specifically, it's lifetime free, so there's no joining or annual fee. Think twice if you need premium travel perks and will spend enough to justify a fee.

Headline benefit: Zero Joining And Annual Fees.

Featured in🆓 lifetime-free credit cards 🌱 first credit cards for beginners 💸 cashback credit cards 📲 RuPay credit cards for UPI

Before you apply ✅

A free card still charges roughly 36–45% interest a year if you carry a balance — pay in full.
Most unsecured cards want a CIBIL score around 750+ — check yours first.
Confirm the current fee and waiver terms on AU Small Finance Bank's own page before you apply.
Apply for one card at a time — each application is a hard enquiry on your credit report.