Side-by-side · honest numbers
AU Altura Credit Card vs HDFC Millennia Credit Card vs Kotak Urbane Gold Credit Card
Honest side-by-side comparison of AU Altura Credit Card, HDFC Millennia Credit Card, Kotak Urbane Gold 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, HDFC Millennia Credit Card ranks first for estimated net annual value — ahead of AU Altura Credit Card by about ₹6,910/yr.
| Feature | AU Altura Credit Card AU Small Finance Bank | HDFC Millennia Credit Card HDFC Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹1,000 | ₹1,999 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹15,000/mo | ₹35,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | ₹8,830/yr | ₹140/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Dining & delivery | — | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 5% | 3X reward points |
| Primary reward cap | No monthly cap published | ₹1,000 eligible spend/mo | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹1,000 | — |
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?
- HDFC Millennia Credit Card leads with an estimated ₹8,830/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 Millennia Credit Card
HDFC Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra 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 BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia Credit Card HDFC Bank | Kotak Mahindra BankGold Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3X reward points Annual fee₹1,999 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹1,000 | ₹1,999 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹15,000/mo | ₹35,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | ₹8,830/yr | ₹140/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Dining & delivery | — | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 5% | 3X reward points |
| Primary reward cap | No monthly cap published | ₹1,000 eligible spend/mo | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹1,000 | — |
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https://cardhungry.com/in/en/compare/au-altura-vs-hdfc-millennia-vs-kotak-urbaneMore AU Altura Credit Card comparisons
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