Side-by-side · honest numbers
AU Altura Credit Card vs Axis Bank SELECT Credit Card vs HDFC MoneyBack+ Credit Card
Honest side-by-side comparison of AU Altura Credit Card, Axis Bank SELECT Credit Card, HDFC MoneyBack+ 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 HDFC MoneyBack+ Credit Card by about ₹1,230/yr.
| Feature | AU Altura Credit Card AU Small Finance Bank | Axis Bank SELECT Credit Card Axis Bank | HDFC MoneyBack+ Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹3,000 | ₹500 |
| Fee waiver threshold | Lifetime free | Waived at ₹3,00,000/yr spend | No waiver published |
| Min income | ₹15,000/mo | ₹50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | -₹62/yr | ₹690/yr |
| Online shopping | — | — | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) |
| Travel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 2 EDGE miles/₹150 | 10X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹2,500 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| 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?
- 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.
- 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 SELECT Credit Card
Axis Bank
HDFC MoneyBack+ Credit Card
HDFC 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 BankPlatinum Axis Bank SELECT Credit Card •••• •••• •••• 4242 Quick facts Axis Bank SELECT Credit Card Top reward2 EDGE miles/₹150 Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Axis Bank SELECT Credit Card Axis Bank | HDFC BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹3,000 | ₹500 |
| Fee waiver threshold | Lifetime free | Waived at ₹3,00,000/yr spend | No waiver published |
| Min income | ₹15,000/mo | ₹50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | -₹62/yr | ₹690/yr |
| Online shopping | — | — | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) |
| Travel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 2 EDGE miles/₹150 | 10X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹2,500 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | ₹500 |
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https://cardhungry.com/in/en/compare/au-altura-vs-axis-select-vs-hdfc-moneyback-plusMore AU Altura Credit Card comparisons
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