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AU Altura+ Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of AU Altura+ Credit Card, SBI Card against Fixed Deposit — 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

SBI Card against Fixed Deposit

SBI Card

Your adjusted comparison

Feature
AU Altura+ Credit Card

AU Altura+ Credit Card

AU Small Finance Bank

SBI Card against Fixed Deposit credit card

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹499Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹15,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)-₹369/yr₹1,440/yr
Online shopping₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)—
Utilities & bills₹3,500 → 23 pts/mo × ₹0.25/pt = ₹5.83/mo (₹70/yr)—
Top reward rate1.5% cashback80% of FD value
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 accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentNot stated
Bonuses
Signup bonus——

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 against Fixed Deposit details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card against Fixed Deposit leads AU Altura+ Credit Card by about ₹1,809/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 against Fixed Deposit comparison table
FeatureAU Altura+ Credit Card

AU Small Finance Bank

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹499Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹15,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)-₹369/yr₹1,440/yr
Online shopping₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)—
Utilities & bills₹3,500 → 23 pts/mo × ₹0.25/pt = ₹5.83/mo (₹70/yr)—
Top reward rate1.5% cashback80% of FD value
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 accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentNot stated
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
SBI Card against Fixed Deposit leads with an estimated ₹1,440/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.
Which cards are secured (FD-backed)?
SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
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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