AU Small Finance Bank Altura Credit Card vs BOB Financial Prime

* 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

• Get PRIME against fixed deposit of  Rs. 15,000 or more without any income proof
• PRIME is lifetime free, which means Zero First Year and Annual Fees
• 1% fuel surcharge waived for all fuel transactions between  Rs 400 - Rs 5,000 (Max. waiver of Rs. 250 per month)
• Convert purchases  of more than Rs 2,500 on your card into easy EMIs of 6/12 months
• Free Personal Accidental Death Cover ensures the financial protection of your family

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

• 1% cashback
• No fee
• Minimum deposit of Rs. 15,000 

Cons

• No perks or promotions
• No Golf/coaching sessions
• No complimentary Airport Lounge visits