AU Small Finance Bank Altura Plus Credit Card vs IDFC FIRST Millennia Credit Card

Joining Fees

₹499

₹0

Editor's Rating

3.3

2.75

Key Features

* 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

  • Get 10X Reward Points on incremental spends above Rs. 20,000 per month and spends done on the cardholder’s birthday
  • Get 3X  Reward Points on applicable online and offline purchases for spends up to Rs. 20,000 per month
  • Use the Reward points to instantly pay for online or in-store purchases
  • Get 1X Reward Points on Insurance premium payments and Utility bill payments
  • Get 25% discount on movie tickets up to Rs. 100 on Paytm mobile app. This is valid once per month
  • Get 4 complimentary Railway lounge visits per quarter
  • Avail complimentary Roadside Assistance worth Rs. 1,399
  • Fuel surcharge waiver of 1% at all fuel stations in India, up to Rs. 200/month. This is applicable only on transactions between Rs. 200 & Rs. 5000
  • Enjoy 300+ Merchant offers all year long
  • Up to 20% discount at 1500+ restaurants 
  • Up to 15% discount at 3000+ Health & Wellness outlets
  • Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
  • Convert all transactions above Rs. 2,500 into easy and convenient EMIs from the mobile app
  • Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
  • Enjoy convenient transfer of balances from other bank credit cards with IDFC First Bank’s balance transfer privilege

Editor's Review

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

  • Lifetime free credit card
  • Complimentary Railway lounge access
  • NIL Overlimit fees, NIL Addon charges

Cons

  • No milestone benefits
  • No Airport Lounge Access


More comparisions with AU Small Finance Bank Altura Plus Credit Card

More comparisions with IDFC FIRST Millennia Credit Card

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