Side-by-side · honest numbers
AU Altura+ Credit Card vs Axis IOCL Credit Card
Honest side-by-side comparison of AU Altura+ Credit Card, Axis IOCL Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
AU Altura+ Credit Card
AU Small Finance Bank
Axis IOCL Credit Card
Axis Bank
Your adjusted comparison
| Feature | AU Altura+ Credit Card AU Small Finance Bank | Axis IOCL Credit Card Axis Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹499 | ₹500 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹15,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹369/yr | ₹910/yr |
| Online shopping | ₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr) | — |
| Groceries (offline) | — | ₹5,000 → 200 pts/mo × ₹0.20/pt = ₹40/mo (₹480/yr) |
| Fuel | — | ₹3,000 → 600 pts/mo × ₹0.20/pt = ₹120/mo (₹1,440/yr) · issuer max ₹5,000/mo |
| Utilities & bills | ₹3,500 → 23 pts/mo × ₹0.25/pt = ₹5.83/mo (₹70/yr) | — |
| Top reward rate | 1.5% cashback | 20 Edge Miles/₹100 |
| Primary reward cap | ₹100 eligible spend/mo | ₹5,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | 8 complimentary railway lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Non-IOCL fuel · EMI · Rent |
| Bonuses | ||
| Signup bonus | — | — |
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Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/au-altura-plus-vs-axis-ioclReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis IOCL Credit Card leads AU Altura+ Credit Card by about ₹1,279/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | AU Altura+ Credit Card AU Small Finance Bank | Axis IOCL Credit Card Axis Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹499 | ₹500 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹15,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹369/yr | ₹910/yr |
| Online shopping | ₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr) | — |
| Groceries (offline) | — | ₹5,000 → 200 pts/mo × ₹0.20/pt = ₹40/mo (₹480/yr) |
| Fuel | — | ₹3,000 → 600 pts/mo × ₹0.20/pt = ₹120/mo (₹1,440/yr) · issuer max ₹5,000/mo |
| Utilities & bills | ₹3,500 → 23 pts/mo × ₹0.25/pt = ₹5.83/mo (₹70/yr) | — |
| Top reward rate | 1.5% cashback | 20 Edge Miles/₹100 |
| Primary reward cap | ₹100 eligible spend/mo | ₹5,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | 8 complimentary railway lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Non-IOCL fuel · EMI · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- AU Altura+ Credit Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- Axis IOCL Credit Card leads with an estimated ₹910/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- AU Altura+ Credit Card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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