Side-by-side · honest numbers
AU Altura Credit Card vs Axis IOCL Credit Card vs IDFC FIRST WOW Credit Card
Honest side-by-side comparison of AU Altura Credit Card, Axis IOCL Credit Card, IDFC FIRST WOW 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, AU Altura Credit Card ranks first for estimated net annual value — ahead of Axis IOCL Credit Card by about ₹554/yr.
| Feature | AU Altura Credit Card AU Small Finance Bank | Axis IOCL Credit Card Axis Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹0 | ₹500 | ₹0 |
| Min income (monthly) | ₹15,000 | ₹25,000 | Not stated |
| Top reward rate | 2% cashback | 20 Edge Miles/₹100 | 1X reward points |
| Net annual value (moderate spend) | ₹1,920/yr | ₹1,366/yr | ₹800/yr |
| Secured / FD-backed | No | No | Yes |
| 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?
- AU Altura Credit Card leads with an estimated ₹1,920/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)?
- IDFC FIRST WOW Credit Card 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.
Customize your spend
Change spend profile or swap cards — results update live below.
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 IOCL Credit Card •••• •••• •••• 4242 Quick facts Axis IOCL Credit Card Top reward20 Edge Miles/₹100 Annual fee₹500 Min income₹25,000/mo Tap to flip back Axis IOCL Credit Card Axis Bank | IDFC FIRST BankClassic IDFC FIRST WOW Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST WOW Credit Card Top reward1X reward points Annual feeLifetime Free Tap to flip back IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹0 | ₹500 | ₹0 |
| Min income | ₹15,000 | ₹25,000 | Not stated |
| Top reward rate | 2% cashback | 20 Edge Miles/₹100 | 1X reward points |
| Net value (moderate) | ₹1,920/yr | ₹1,366/yr | ₹800/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | — | — | — |
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