Synopsis: AU Small Finance Bank provides two entry-level credit cards, which have identical designs but function as separate products. The two cards offer cashbacks, rewards and savings benefits. The article calculates cashbacks, benefits on both cards to determine which card provides greater monthly benefits to customers.
You will get rewarded everytime you spent without paying any fee for it. Both Altura Credit Card or Altura Plus Credit Card are lifetime free. But one card provides more rewards than the other. Let’s break it down
Altura Credit Card
The Altura Credit Card focuses on category-based cashback with strict caps. It offers 2% cashback on groceries, departmental stores and utility bills. 1% cashback on other retail spends. ₹50 cashback bonus if you spend ₹10,000 rupees in a billing cycle. Cashback is capped at ₹50 per category per month. 2 railway lounge visits every quarter.
To purchase the card, please visit the official website of Altura Credit Card
Altura Plus Credit Card
The Altura Plus Credit Card provides 1.5% cashback on all offline retail purchases. 2X reward points on online spends excluding education, government payments and BBPS. 500 bonus reward points when spend more than ₹20,000 in a month. Points can be used for vouchers, hotels, flights or mobile recharge. Also includes 2 railway lounge visits per quarter.
To purchase the card, please visit the official website of Altura Plus Credit Card
| Feature | Altura Credit Card | Altura Plus Credit Card |
| Cashback rate | 2% (category), 1% (others) | 1.5% on all POS retail |
| Cashback cap | ₹50 (each category) | ₹100 total per month |
| Reward points | NO | 2x online & 1x POS after cashback |
| Milestone benefit | ₹50 on minimum ₹10,000 retail spend | 500 bonus reward points of ₹20,000 |
| Fuel surcharge waiver | 1% up to ₹100 | 1% up to ₹150 |
| Railway lounge access | 8/year | 8/year |
| Other perks | Contactless, device insurance, Xpress EMI | Contactless, device insurance, liability cover |
Also read: Airtel Axis vs Axis ACE: One Credit Card Gives 78% More Monthly Cashback — See the Winner
How Much Can You Save Monthly? (Example)
A cardholder spends ₹20,000 in a month: ₹6,000 on groceries and utility bills, ₹8,000 on other retail purchases and ₹6,000 on online transactions.
With the use of the Altura Credit Card:
- 2% on ₹6,000 spend = ₹120 (capped at ₹50)
- 1% on ₹8,000 spend = ₹80 (capped at ₹50)
- Milestone benefit = ₹50 (crosses ₹10,000 spend)
- Total monthly benefit = ₹150
With the use of the Altura Plus Credit Card:
- 1.5% cashback capped at ₹100
- 500 bonus reward points (since ₹20,000 milestone achieved)
- Additional reward points on online and POS transactions after the cashback cap.
- Estimated total value (cashback + reward value) = ₹220 – ₹250, depending on redemption.
The difference becomes obvious when someone spends ₹20,000 monthly. Altura remains capped at ₹150 in total benefits, while Altura Plus crosses ₹200 due to milestone rewards and continued point accumulation. The first option provides fixed benefits, whereas the second option increases benefits based on spending.
Conclusion
The difference between these two cards isn’t about design or perks; it’s about spending behavior. At moderate expense levels, the savings gap is minimal. But once monthly spending crosses ₹20,000, Altura Plus clearly delivers stronger overall returns. The better card isn’t the one with more features; it’s the one that matches how you spend.
Written by Ameet S
