AU Small Finance Bank Altura Credit Card vs Indian Overseas Bank Zet Credit Card

* 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

• Open a fixed deposit starting from Rs. 2,500
• Earn up to 7% interest on your fixed deposit
• Your FD is insured by RBI- FD is insured up to Rs. 5 lakh by the DICGC under the DICGC Act 1961
• Credit Limit is set at 90% of the FD amount
• Lifetime Free Card- Zero annual fee and no hidden charges
• Easy application process with no credit score check
• UPI Credit Card- Get flat 2% cashback on ZET UPI payments
• Fuel Surcharges: Surcharge of 1% of the total transaction amount will be levied
• Get Discounts and cashback on 80+ top brands, for example see below some of the offers:

A. SWIGGY- Up to 20% Discount

B. BookMuShow- Up to 20% Discount

C. Zomato- Up to 20% Discount

D. Amazon Pay- 5% Cashback

E. FlipKart- 5% Cashback

F. PVR- 18% Cashback

G. Myntra - 5% Cashback

H. NYKAA - 4.5% Cashback

I. InstaMart - Up to 20% Discount

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

• No income proof or credit history required
• Earn up to 7% interest on your fixed deposit
• Enjoy Discounts and cashback on 80+ top brands

Cons

• No Travel perks
• No Lounge access
• No rewards or golf benefits