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| Feature | Axis Bank Airtel Axis Bank Credit Card | AU Small Finance Bank AU Bank Altura Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | AU Small Finance Bank |
| Network | Mastercard | Visa |
| Annual fee | ₹500 + GST per year | ₹199 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | At ₹40,000 annual spending |
| Base reward rate | 1% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Bills & utilities | 1% · Airtel telecom cashback | 2% · Utility cashback |
| Groceries & essentials | 1% · Blinkit value back | 2% · Grocery cashback |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Zomato value back: ₹200/month · Blinkit value back: ₹200/month · District value back: ₹200/month | 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 | 14 Sept 2026 | 24 Sept 2026 |
| Best suited to | Households with Airtel services, utility bills and regular Zomato or Blinkit orders. | Budget-conscious users with grocery, utility and department-store spending. |
| Main trade-off | Zomato and Blinkit require a ₹499 minimum order for the 10% value back. Airtel and utility cashback caps depend on base cashback earned in the same statement month. No airport lounge access. | 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.
