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?

Tata Neu Plus HDFC Bank Credit Card leads with an estimated ₹3,529/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.

Which cards are secured (FD-backed)?

IDFC Ashva Gold (FD) is secured — useful for thin credit files without a bureau pull at application.

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 Tata Neu Plus HDFC Bank Credit Card vs IDFC Ashva Gold (FD)

Honest side-by-side comparison of AU Altura Credit Card, Tata Neu Plus HDFC Bank Credit Card, IDFC Ashva Gold (FD) — 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, Tata Neu Plus HDFC Bank Credit Card ranks first for estimated net annual value — ahead of AU Altura Credit Card by about ₹1,609/yr.

AU Altura Credit Card vs Tata Neu Plus HDFC Bank Credit Card vs IDFC Ashva Gold (FD) comparison table
Feature	AU Altura Credit Card AU Small Finance Bank	Tata Neu Plus HDFC Bank Credit Card HDFC Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank
Annual fee	₹0	₹499	₹0
Min income (monthly)	₹15,000	₹25,000	Not stated
Top reward rate	2% cashback	5% NeuCoins	2X reward points
Net annual value (moderate spend)	₹1,920/yr	₹3,529/yr	₹1,600/yr
Secured / FD-backed	No	No	Yes
Signup bonus	—	₹499	—

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?: Tata Neu Plus HDFC Bank Credit Card leads with an estimated ₹3,529/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.
Which cards are secured (FD-backed)?: IDFC Ashva Gold (FD) is secured — useful for thin credit files without a bureau pull at application.
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 BankGold Tata Neu Plus HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Tata Neu Plus HDFC Bank Credit Card Top reward5% NeuCoins Annual fee₹499 Min income₹25,000/mo Tap to flip back Tata Neu Plus HDFC Bank Credit Card HDFC Bank	IDFC FIRST BankGold IDFC Ashva Gold (FD) •••• •••• •••• 4242 Quick facts IDFC Ashva Gold (FD) Top reward2X reward points Annual feeLifetime Free Tap to flip back IDFC Ashva Gold (FD) IDFC FIRST Bank
Annual fee	₹0	₹499	₹0
Min income	₹15,000	₹25,000	Not stated
Top reward rate	2% cashback	5% NeuCoins	2X reward points
Net value (moderate)	₹1,920/yr	₹3,529/yr	₹1,600/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	—	₹499	—

AU Altura Credit Card details →Tata Neu Plus HDFC Bank Credit Card details →IDFC Ashva Gold (FD) details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More AU Altura Credit Card comparisons