Side-by-side · honest numbers
AU Altura Credit Card vs Axis Bank Flipkart Credit Card vs IndusInd Bank Avios Visa Infinite Credit Card
Honest side-by-side comparison of AU Altura Credit Card, Axis Bank Flipkart Credit Card, IndusInd Bank Avios Visa Infinite Credit Card — 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 Flipkart Credit Card ranks first for estimated net annual value — ahead of AU Altura Credit Card by about ₹4,040/yr.
| Feature | AU Altura Credit Card AU Small Finance Bank | Axis Bank Flipkart Credit Card Axis Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹500 | ₹10,000 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹15,000/mo | ₹25,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | ₹5,960/yr | -₹8,536/yr |
| Online shopping | — | 5% cashback → ₹200/mo (₹2,400/yr) (cap hit) | — |
| Travel | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 5% | 5X Avios points |
| Primary reward cap | No monthly cap published | ₹4,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Unlimited lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
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 Flipkart Credit Card leads with an estimated ₹5,960/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 Flipkart Credit Card
Axis Bank
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd 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 Flipkart Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Flipkart Credit Card Top reward5% Annual fee₹500 Min income₹25,000/mo Tap to flip back Axis Bank Flipkart Credit Card Axis Bank | IndusInd BankInfinite IndusInd Bank Avios Visa Infinite Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Avios Visa Infinite Credit Card Top reward5X Avios points Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹500 | ₹10,000 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹15,000/mo | ₹25,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | ₹5,960/yr | -₹8,536/yr |
| Online shopping | — | 5% cashback → ₹200/mo (₹2,400/yr) (cap hit) | — |
| Travel | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 5% | 5X Avios points |
| Primary reward cap | No monthly cap published | ₹4,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Unlimited lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
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