AU Small Finance Bank Altura Credit Card vs YES Prosperity Cashback Plus 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

• On Movie Ticket bookings get 5% Cashback 
• On Grocery Shopping get 5% Cashback 
• On all Other retails spends get 0.75% Cashback 
• On Bill Payments through YES PayNow get 5% Cashback 

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

• This credit card is for those who prefer Cashback 
• Fuel Surcharge Waiver
• Credit Shield Facility 

Cons

• This credit card isn’t for those who are looking for travel benefits
• This card isn’t for those who prefer air miles or rewards
• No concierge service