Compare AU Small Finance Bank Altura Plus Credit Card vs HDFC Moneyback Credit Card

* Get 1.5% Cashback on POS retail spends at merchant outlets. The maximum cashback per statement cycle is Rs. 100. Do note that you can avail 1 Reward Point per Rs.100 retail spends (except fuel) on POS, after reaching the maximum cashback limit
* Avail 2X Reward Points (i.e. 2 Reward Points per Rs.100 retail spends) for all online transactions
* Milestone Benefit: Earn additional benefit every month by getting 500 Bonus Reward Points when you do Rs. 20,000 retail spends or more in a calendar month
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities
* 24/7 Concierge Services
* Enjoy 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 150 per statement cycle
* Avail various options to redeem Reward Points for amazing benefits that include E-vouchers of top brands, Merchandise, Mobile/DTH recharges, Flight/Hotel bookings, and much more. Redeem the Reward Points for FREE
* 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

You’ll receive Welcome Benefit of 500 Cash Points that’s applicable only on the payment of the membership fee
In the first 90 days, spend Rs. 20000 or above and get first-year membership fee waived off
Accumulate and redeem reward points for cash-back against outstanding amount on your Credit Card (100 points = Rs. 20)
In the first year, spend Rs. 50,000 or above and get renewal membership fee waived off
Earn 2 Reward Points on every Rs 150 spent
Every quarter receive a gift voucher worth Rs. 500 on spends of Rs 50,000. Get up to Rs. 2,000 worth of gift vouchers in a year
While doing online shopping, earn 4 reward points for every Rs 150 you spend online with the card. (With effect from 15th July 2020, customers can get up to 500 Reward Points per statement cycle for the online spends, under the 2X RP feature.)
Spend Rs 50,000 in a Quarter and avail Rs 500 worth E-Voucher
Renew membership for free by just spending Rs. 50,000 in a year before the renewal date
1% fuel surcharge waiver at any fuel stations in India, on minimum transaction Rs. 400 and Max CashBack of Rs. 250 per statement cycle
If your HDFC Moneyback Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card

Rewards Rate:

Reward Points accumulated can be redeemed against statement balance at the rate 1 RP = Rs. 0.20
Reward Points can even be used to redeem against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.25

Pros
* Complimentary railway lounge access
* Attractive welcome and milestone benefits
* Earn cashback and rewards points

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

Pros

Zero liability on the lost card if reported immediately
With the EMV Chip technology presented in the card, stay protected against fraud
Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons