The AU Bank Altura and Altura Plus Credit Cards are two credit cards offered by AU Small Finance Bank. Choosing the right credit card can significantly improve your financial management and enjoyment of various benefits. Currently, both cards are available as lifetime free (LTF).

AU Bank’s Altura Credit Card is a simple card that offers cashback on every transaction made through the card. Benefits like railway lounge access and cashback are provided through this card. The AU Bank Altura Plus Credit Card is the superior version of the Altura Credit Card. A user can earn both cashback and reward points through this card. This card even offers railway lounge access, and reward points can be redeemed for vouchers from top brands. Below is a detailed comparison of the two AU Bank Credit Cards for cardholders who may be confused about which is better and more beneficial.

AU Bank Altura Vs Altura Plus Credit Card

Compare AU Bank Altura and Altura + Credit Card

A comparison of the AU Bank Altura Credit Card and AU Bank Altura Plus Credit Card will help a potential cardholder understand the fundamental factors to consider while applying for a credit card. Below are the main factors of the two credit cards, which will help a person understand which credit card is better and what benefits it provides.

Features Altura Credit Card Altura Plus Credit Card
Joining/ Renewal Fee Nil (Limited time offer) Nil (Limited time offer)
Cashback  2% cash back on groceries, departmental stores, utility bills (capped at ₹50)

1% cash back on other spends (capped at ₹50)

1.5% cashback on retail spending at merchant outlets
Milestone Benefit Cashback of ₹50 on spending of ₹10,000 every statement cycle 500 bonus reward points on the spending of ₹20,000
Railway Lounge Access Two railway lounge access every quarter Two railway lounge access every quarter
AU Rewardz N/A Redeem reward points for E-vouchers, merchandise, recharge, etc

Altura Credit Card

The AU Small Finance Bank launched the Altura Credit Card, a simple cashback credit card offering cashback on every purchase. There is no joining fee for this credit card. This card offers 2% cashback to all its cardholders on purchases of all retail spends done at grocery stores, departmental stores, and utility bill payments. 1% cashback is given on other retail spends except for cash, rent, education, government, EMIs, BBPS, and Quasi Cash transactions. Cardholders will also receive a cashback of ₹50 on spending ₹10,000 on retail spending. 2 complimentary railway lounge access is also provided every quarter to its users.

Altura Plus Credit Card

The Altura Plus Credit Card is a newer and better version of the Altura Credit Card. This card has no maximum reward point cap, and the user can earn both cashback and reward points. There is no joining or renewal fee, making it a better choice for beginners. A cardholder earns 1.5% cashback on all POS retail spends. 2X reward points are earned through online transactions except for education, government, and BBPS. The cardholder earns a bonus of 500 reward points on the minimum spending of ₹20,000 or more every month. Through this card, the cardholder can redeem his reward points for E-vouchers on top brands, merchandise, flight or hotel bookings, etc. This card also provides users with 2 complimentary railway lounges every quarter.

Bottom Line

The Altura Credit Card offers cashback benefits and a no-fee structure. In contrast, the Altura Plus Credit Card offers better rewards like unlimited reward points, no joining and renewal fees, etc. Both the cards offer similar perks like railway lounge access, a 1% fuel surcharge waiver, contactless card usage, etc. Both cards have benefits and perks. If you are looking for a simple card with cashback points, choose the Altura Credit Card. However, the Altura Plus Credit Card is the superior choice for those looking for a credit card that offers better rewards and perks.

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