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AU Altura Credit Card vs LIC Axis Bank Signature Credit Card

Honest side-by-side comparison of AU Altura Credit Card, LIC Axis Bank Signature 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

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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

LIC Axis Bank Signature Credit Card

Axis Bank

Your adjusted comparison

Feature
AU Altura Credit Card

AU Altura Credit Card

AU Small Finance Bank

LIC Axis Bank Signature Credit Card

LIC Axis Bank Signature Credit Card

Axis Bank

Fees & eligibility
Annual fee₹199Lifetime free
Fee waiver thresholdWaived at ₹40,000/yr spendLifetime free
Min income₹15,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,640/yr₹1,309/yr
Groceries (offline)₹5,000 × 2% = ₹50/mo (₹600/yr) · cap reached—
Utilities & bills₹3,500 × 2% = ₹50/mo (₹600/yr) · cap reached—
Top reward rate2% cashback2 points / ₹100
Primary reward cap₹50 rewards/mo cap₹400/month
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentFuel · Wallet · EMI · Utilities · Education
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹2,681/yr combined NAV (₹41 vs best solo). Both annual fees apply.

AU Altura Credit Card details →LIC Axis Bank Signature Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, AU Altura Credit Card leads LIC Axis Bank Signature Credit Card by about ₹1,331/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 LIC Axis Bank Signature Credit Card comparison table
FeatureAU Altura Credit Card

AU Small Finance Bank

LIC Axis Bank Signature Credit Card

Axis Bank

Fees & eligibility
Annual fee₹199Lifetime free
Fee waiver thresholdWaived at ₹40,000/yr spendLifetime free
Min income₹15,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,640/yr₹1,309/yr
Groceries (offline)₹5,000 × 2% = ₹50/mo (₹600/yr) · cap reached—
Utilities & bills₹3,500 × 2% = ₹50/mo (₹600/yr) · cap reached—
Top reward rate2% cashback2 points / ₹100
Primary reward cap₹50 rewards/mo cap₹400/month
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentFuel · Wallet · EMI · Utilities · Education
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
LIC Axis Bank Signature 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 ₹2,640/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.

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