Side-by-side · honest numbers
AU Altura Credit Card vs AU LIT Credit Card vs IndusInd Legend Credit Card
Honest side-by-side comparison of AU Altura Credit Card, AU LIT Credit Card, IndusInd Legend 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
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.
AU Altura Credit Card
AU Small Finance Bank
AU LIT Credit Card
AU Small Finance Bank
IndusInd Legend Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | AU Altura Credit Card AU Small Finance Bank | AU LIT Credit Card AU Small Finance Bank | IndusInd Legend Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹199 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹15,000/mo | ₹20,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,415/yr | ₹220/yr | ₹936/yr |
| Online shopping | — | ₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr) | — |
| Utilities & bills | ₹3,500 × 2% = ₹70/mo (₹840/yr) | — | — |
| Top reward rate | 2% cashback | 1–2 RP/₹150 | 1 reward point/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Optional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/au-altura-vs-au-lit-vs-indusind-legendReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, AU Altura Credit Card ranks first for estimated net annual value — ahead of IndusInd Legend Credit Card by about ₹479/yr.
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 | AU LIT Credit Card AU Small Finance Bank | IndusInd Legend Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹199 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹15,000/mo | ₹20,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,415/yr | ₹220/yr | ₹936/yr |
| Online shopping | — | ₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr) | — |
| Utilities & bills | ₹3,500 × 2% = ₹70/mo (₹840/yr) | — | — |
| Top reward rate | 2% cashback | 1–2 RP/₹150 | 1 reward point/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Optional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- AU LIT Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- AU Altura Credit Card leads with an estimated ₹1,415/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.
More AU Altura Credit Card comparisons
- AU Altura Credit Card vs 811 Dream Different Credit Card
- AU Altura Credit Card vs AU Altura+ Credit Card
- AU Altura Credit Card vs AU Zenith Credit Card
- AU Altura Credit Card vs American Express Gold Card
- AU Altura Credit Card vs American Express Platinum Travel Card
- AU Altura Credit Card vs American Express SmartEarn Credit Card
- AU Altura Credit Card vs Amex Membership Rewards CC
- AU Altura Credit Card vs Axis Bank ACE Credit Card
- AU Altura Credit Card vs Axis Bank Airtel Credit Card
- AU Altura Credit Card vs Axis Bank Atlas Credit Card
- AU Altura Credit Card vs Axis Bank Flipkart Credit Card
- AU Altura Credit Card vs Axis Bank Magnus Credit Card