Side-by-side · honest numbers
AU Altura Credit Card vs Axis Bank ACE Credit Card vs Bajaj Finserv DBS Bank SuperCard
Honest side-by-side comparison of AU Altura Credit Card, Axis Bank ACE Credit Card, Bajaj Finserv DBS Bank SuperCard — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank ACE Credit Card ranks first for estimated net annual value — ahead of AU Altura Credit Card by about ₹4,740/yr.
| Feature | AU Altura Credit Card AU Small Finance Bank | Axis Bank ACE Credit Card Axis Bank | Bajaj Finserv DBS Bank SuperCard DBS Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹499 | ₹999 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹15,000/mo | ₹20,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | ₹6,660/yr | ₹180/yr |
| Online shopping | — | — | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) |
| Dining & delivery | — | 4% cashback → ₹160/mo (₹1,920/yr) | — |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | 5% cashback → ₹110/mo (₹1,320/yr) | — |
| Top reward rate | 2% cashback | 5% | 2X reward points |
| Primary reward cap | No monthly cap published | ₹500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Fuel · Non-GPay utilities · EMI · Rent · Wallet load | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- AU Altura Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank ACE Credit Card leads with an estimated ₹6,660/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
Change spend profile or swap cards — results update live below.
AU Altura Credit Card
AU Small Finance Bank
Axis Bank ACE Credit Card
Axis Bank
Bajaj Finserv DBS Bank SuperCard
DBS Bank
Your adjusted comparison
| Feature | AU Small Finance BankClassic AU Altura Credit Card •••• •••• •••• 4242 Quick facts AU Altura Credit Card Top reward2% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back AU Altura Credit Card AU Small Finance Bank | Axis BankGold Axis Bank ACE Credit Card •••• •••• •••• 4242 Quick facts Axis Bank ACE Credit Card Top reward5% Annual fee₹499 Min income₹20,000/mo Tap to flip back Axis Bank ACE Credit Card Axis Bank | DBS BankGold Bajaj Finserv DBS Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv DBS Bank SuperCard Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv DBS Bank SuperCard DBS Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹499 | ₹999 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹15,000/mo | ₹20,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | ₹6,660/yr | ₹180/yr |
| Online shopping | — | — | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) |
| Dining & delivery | — | 4% cashback → ₹160/mo (₹1,920/yr) | — |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | 5% cashback → ₹110/mo (₹1,320/yr) | — |
| Top reward rate | 2% cashback | 5% | 2X reward points |
| Primary reward cap | No monthly cap published | ₹500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Fuel · Non-GPay utilities · EMI · Rent · Wallet load | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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