Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | AU Small Finance Bank AU Bank Altura Plus Credit Card | AU Small Finance Bank AU Bank Altura Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | AU Small Finance Bank | AU Small Finance Bank |
| Network | Visa | Visa |
| Annual fee | ₹499 + GST per year | ₹199 + GST per year |
| Annual fee waiver | At ₹80,000 annual spending | At ₹40,000 annual spending |
| Base reward rate | 0.3% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Bills & utilities | 0.3% · Utility, telecom and insurance points | 2% · Utility cashback |
| Groceries & essentials | 0.3% · Conservative other-spend points | 2% · Grocery cashback |
| Online shopping | 0.5% · Online reward points | 1% · Other eligible retail cashback |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 24 Sept 2026 | 24 Sept 2026 |
| Best suited to | Offline retail shoppers seeking a low-fee cashback card. | Budget-conscious users with grocery, utility and department-store spending. |
| Main trade-off | AU does not publish the current 1.5% cashback ceiling on the product page, so the engine conservatively values offline spend at the post-cap one-point rate. Railway lounges are not airport lounges. | Department-store cashback requires the issuer merchant classification. The lounge benefit is for railway lounges, not airports, and AU fair-use charges may apply to high fuel, utility, rent, education or transport spend. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
