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AU Altura+ Credit Card vs SBI Card ELITE

Honest side-by-side comparison of AU Altura+ Credit Card, SBI Card ELITE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

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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

SBI Card ELITE

SBI Card

Your adjusted comparison

Feature
AU Altura+ Credit Card

AU Altura+ Credit Card

AU Small Finance Bank

SBI Card ELITE credit card

SBI Card ELITE

SBI Card

Fees & eligibility
Annual fee₹499₹4,999
Fee waiver thresholdNo waiver published₹10,00,000/yr
Min income₹15,000/mo₹60,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹369/yr-₹3,818/yr
Online shopping₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)—
Groceries (offline)—₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)
Dining & delivery—₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Utilities & bills₹3,500 → 23 pts/mo × ₹0.25/pt = ₹5.83/mo (₹70/yr)—
Top reward rate1.5% cashback5X reward points
Primary reward cap₹100 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge access8 complimentary railway lounge visits per year · No minimum spend required for lounge access6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentFuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus—₹5,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

AU Altura+ Credit Card details →SBI Card ELITE details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, AU Altura+ Credit Card leads SBI Card ELITE by about ₹3,449/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 SBI Card ELITE comparison table
FeatureAU Altura+ Credit Card

AU Small Finance Bank

SBI Card ELITE

SBI Card

Fees & eligibility
Annual fee₹499₹4,999
Fee waiver thresholdNo waiver published₹10,00,000/yr
Min income₹15,000/mo₹60,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹369/yr-₹3,818/yr
Online shopping₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)—
Groceries (offline)—₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)
Dining & delivery—₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Utilities & bills₹3,500 → 23 pts/mo × ₹0.25/pt = ₹5.83/mo (₹70/yr)—
Top reward rate1.5% cashback5X reward points
Primary reward cap₹100 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge access8 complimentary railway lounge visits per year · No minimum spend required for lounge access6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentFuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus—₹5,000

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?
AU Altura+ Credit Card leads with an estimated -₹369/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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