AU Small Finance Bank Altura Credit Card vs Axis Bank Ace Credit Card

Joining Fees

₹199

₹499

Editor's Rating

3.3

4.4

Key Features

* Avail 2% Cashback on retail spends at Grocery stores, Departmental stores and Utility bill payments. The maximum cashback per statement cycle is Rs. 50
* Avail 1% Cashback on other retail spends. The maximum cashback per statement cycle is Rs. 50
* Milestone Benefit: Earn additional cashback of Rs. 50 on completing a minimum of Rs. 10,000 retail spends in every statement cycle
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities
* Enjoy 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 100 per statement cycle
* Card Liability Cover: If the Credit Card gets lost, you’ll have zero liability on any fraudulent transactions made using the card after reporting the loss to the bank. You’re even protected against Card Counterfeit/Skimming, and Online frauds
* Contactless Card
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you
* Avail Add on card that is free for lifetime

  • Spend Rs. 2 lakh or more in a year to avail the annual fee waiver
  • Get 5% cashback on bill payments, DTH recharge, and mobile recharges on Google Pay
  • Get 4% cashback on Ola, Zomato, and Swiggy
  • Get 1.5% cashback on all other spends
  • 4 complimentary domestic airport lounge access per calendar year
  • Avail a 1% fuel surcharge waiver on fuel purchases at all fuel stations in India. This is valid on transactions between Rs. 400 to Rs. 4000
  • Get up to 15% off at 4000+ partnered restaurants in India
  • Easily convert transactions of Rs. 2,500 or more into EMI

Editor's Review

Pros
* Complimentary railway lounge access
* Attractive welcome and milestone benefits
* Get up to 7% Cashback as an introductory offer

Cons
* No golf privileges
* No Airmiles
* No airport lounges benefits

Pros

  • Get 5% cashback on bill payments, DTH recharge, and mobile recharges on Google Pay, and 4% cashback on Ola, Zomato, and Swiggy
  • Get 1.5% cashback on all other spends
  • 4 complimentary domestic airport lounge access per calendar year

Cons

  • No rewards benefits
  • No golf and movie benefits
  • No international lounge access


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