Side-by-side · honest numbers
AU Altura Credit Card vs HDFC 6E Rewards Credit Card vs HDFC Bank Infinia Credit Card
Honest side-by-side comparison of AU Altura Credit Card, HDFC 6E Rewards Credit Card, HDFC Bank Infinia 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 6E Rewards Credit Card by about ₹1,540/yr.
| Feature | AU Altura Credit Card AU Small Finance Bank | HDFC 6E Rewards Credit Card HDFC Bank | HDFC Bank Infinia Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹500 | ₹12,500 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend | ₹10,00,000/yr |
| Min income | ₹15,000/mo | ₹25,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | ₹380/yr | -₹4,128/yr |
| Travel | — | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 5X reward points | 5 RP/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card |
| 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 · Wallet |
| 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?
- 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
HDFC 6E Rewards Credit Card
HDFC Bank
HDFC Bank Infinia 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 | HDFC BankPlatinum HDFC 6E Rewards Credit Card •••• •••• •••• 4242 Quick facts HDFC 6E Rewards Credit Card Top reward5X reward points Annual fee₹500 Min income₹25,000/mo Tap to flip back HDFC 6E Rewards Credit Card HDFC Bank | HDFC BankMetal HDFC Bank Infinia Credit Card •••• •••• •••• 4242 Quick facts HDFC Bank Infinia Credit Card Top reward5 RP/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back HDFC Bank Infinia Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹500 | ₹12,500 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend | ₹10,00,000/yr |
| Min income | ₹15,000/mo | ₹25,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | ₹380/yr | -₹4,128/yr |
| Travel | — | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 5X reward points | 5 RP/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card |
| 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 · Wallet |
| Bonuses | |||
| Signup bonus | — | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/au-altura-vs-hdfc-6e-rewards-vs-hdfc-infiniaMore AU Altura Credit Card comparisons
- AU Altura Credit Card vs 811 Dream Different Credit Card
- AU Altura Credit Card vs AU Zenith Credit Card
- AU Altura Credit Card vs American Express Gold Card
- AU Altura Credit Card vs American Express Platinum Travel Card
- AU Altura Credit Card vs American Express SmartEarn Credit Card
- AU Altura Credit Card vs Amex Membership Rewards CC
- AU Altura Credit Card vs Axis Bank ACE Credit Card
- AU Altura Credit Card vs Axis Bank Airtel Credit Card
- AU Altura Credit Card vs Axis Bank Atlas Credit Card
- AU Altura Credit Card vs Axis Bank Flipkart Credit Card
- AU Altura Credit Card vs Axis Bank Magnus Credit Card
- AU Altura Credit Card vs Axis Bank My Zone Credit Card