Side-by-side · honest numbers
AU Altura Credit Card vs HSBC Cashback Credit Card vs ICICI Coral Credit Card
Honest side-by-side comparison of AU Altura Credit Card, HSBC Cashback Credit Card, 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, HSBC Cashback Credit Card ranks first for estimated net annual value — ahead of AU Altura Credit Card by about ₹6,021/yr.
| Feature | AU Altura Credit Card AU Small Finance Bank | HSBC Cashback Credit Card HSBC | ICICI Coral Credit Card ICICI Bank |
|---|---|---|---|
| Annual fee | ₹0 | ₹999 | ₹500 |
| Min income (monthly) | ₹15,000 | ₹40,000 | ₹30,000 |
| Top reward rate | 2% cashback | 10% | 2 RP/₹100 |
| Net annual value (moderate spend) | ₹1,920/yr | ₹7,941/yr | ₹90/yr |
| Secured / FD-backed | No | No | No |
| 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?
- HSBC Cashback Credit Card leads with an estimated ₹7,941/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.
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 | HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC | 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 | ₹999 | ₹500 |
| Min income | ₹15,000 | ₹40,000 | ₹30,000 |
| Top reward rate | 2% cashback | 10% | 2 RP/₹100 |
| Net value (moderate) | ₹1,920/yr | ₹7,941/yr | ₹90/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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