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?

PhonePe SBI Card SELECT BLACK leads with an estimated ₹7,350/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.

Side-by-side · honest numbers

AU Altura+ Credit Card vs PhonePe SBI Card SELECT BLACK

Honest side-by-side comparison of AU Altura+ Credit Card, PhonePe SBI Card SELECT BLACK — 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

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

AU Altura+ Credit Card

AU Small Finance Bank

Card 2

PhonePe SBI Card SELECT BLACK

SBI Card

Your adjusted comparison

Feature	AU Altura+ Credit Card AU Small Finance Bank	PhonePe SBI Card SELECT BLACK SBI Card
Fees & eligibility
Annual fee	₹499	₹1,499
Fee waiver threshold	No waiver published	Waived at ₹3,00,000/yr spend
Min income	₹15,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹369/yr	₹7,350/yr
Online shopping	₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo
Utilities & bills	₹3,500 → 23 pts/mo × ₹0.25/pt = ₹5.83/mo (₹70/yr)	₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo
Top reward rate	1.5% cashback	10%
Primary reward cap	₹100 eligible spend/mo	₹1,500 rewards/mo cap
Perks & restrictions
Lounge access	8 complimentary railway lounge visits per year · No minimum spend required for lounge access	4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends
Key exclusions	EMI · Fuel · Rent	Fuel · Wallet top-ups · Rent · EMI · Cash advance
Bonuses
Signup bonus	—	₹1,500

Stack mode (hold both)

Cap-aware split: ~₹9,491/yr combined NAV (₹2,141 vs best solo). Both annual fees apply.

AU Altura+ Credit Card details →PhonePe SBI Card SELECT BLACK details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, PhonePe SBI Card SELECT BLACK leads AU Altura+ Credit Card by about ₹7,719/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

AU Altura+ Credit Card vs PhonePe SBI Card SELECT BLACK comparison table
Feature	AU Altura+ Credit Card AU Small Finance Bank	PhonePe SBI Card SELECT BLACK SBI Card
Fees & eligibility
Annual fee	₹499	₹1,499
Fee waiver threshold	No waiver published	Waived at ₹3,00,000/yr spend
Min income	₹15,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹369/yr	₹7,350/yr
Online shopping	₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo
Utilities & bills	₹3,500 → 23 pts/mo × ₹0.25/pt = ₹5.83/mo (₹70/yr)	₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo
Top reward rate	1.5% cashback	10%
Primary reward cap	₹100 eligible spend/mo	₹1,500 rewards/mo cap
Perks & restrictions
Lounge access	8 complimentary railway lounge visits per year · No minimum spend required for lounge access	4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends
Key exclusions	EMI · Fuel · Rent	Fuel · Wallet top-ups · Rent · EMI · Cash advance
Bonuses
Signup bonus	—	₹1,500

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?: PhonePe SBI Card SELECT BLACK leads with an estimated ₹7,350/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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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