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 Regalia Gold leads with an estimated ₹5,556/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.

Side-by-side · honest numbers

AU Altura Credit Card vs HDFC Regalia Gold vs ICICI Coral Credit Card

Honest side-by-side comparison of AU Altura Credit Card, HDFC Regalia Gold, ICICI Coral 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 Regalia Gold ranks first for estimated net annual value — ahead of AU Altura Credit Card by about ₹3,636/yr.

AU Altura Credit Card vs HDFC Regalia Gold vs ICICI Coral Credit Card comparison table
Feature	AU Altura Credit Card AU Small Finance Bank	HDFC Regalia Gold HDFC Bank	ICICI Coral Credit Card ICICI Bank
Annual fee	₹0	₹2,500	₹500
Min income (monthly)	₹15,000	₹50,000	₹30,000
Top reward rate	2% cashback	4 RP/₹150	2 RP/₹100
Net annual value (moderate spend)	₹1,920/yr	₹5,556/yr	₹90/yr
Secured / FD-backed	No	No	No
Signup bonus	—	₹2,500	—

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?: HDFC Regalia Gold leads with an estimated ₹5,556/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.

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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 Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold HDFC Bank	ICICI BankGold ICICI Coral Credit Card •••• •••• •••• 4242 Quick facts ICICI Coral Credit Card Top reward2 RP/₹100 Annual fee₹500 Min income₹30,000/mo Tap to flip back ICICI Coral Credit Card ICICI Bank
Annual fee	₹0	₹2,500	₹500
Min income	₹15,000	₹50,000	₹30,000
Top reward rate	2% cashback	4 RP/₹150	2 RP/₹100
Net value (moderate)	₹1,920/yr	₹5,556/yr	₹90/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	₹2,500	—

AU Altura Credit Card details →HDFC Regalia Gold details →ICICI Coral Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More AU Altura Credit Card comparisons