Side-by-side · honest numbers
AU Altura Credit Card vs HSBC Cashback Credit Card vs SBI Card MILES
Honest side-by-side comparison of AU Altura Credit Card, HSBC Cashback Credit Card, SBI Card MILES — 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 SBI Card MILES by about ₹4,651/yr.
| Feature | AU Altura Credit Card AU Small Finance Bank | HSBC Cashback Credit Card HSBC | SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹999 | ₹1,499 |
| Fee waiver threshold | Lifetime free | No waiver published | Waived at ₹3,00,000/yr spend |
| Min income | ₹15,000/mo | ₹40,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | ₹7,941/yr | ₹3,290/yr |
| Dining & delivery | — | 10% cashback → ₹400/mo (₹4,800/yr) | — |
| Travel | — | — | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 10% | 6X 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 | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
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?
- 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.
AU Altura Credit Card
AU Small Finance Bank
HSBC Cashback Credit Card
HSBC
SBI Card MILES
SBI Card
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 | SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹999 | ₹1,499 |
| Fee waiver threshold | Lifetime free | No waiver published | Waived at ₹3,00,000/yr spend |
| Min income | ₹15,000/mo | ₹40,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | ₹7,941/yr | ₹3,290/yr |
| Dining & delivery | — | 10% cashback → ₹400/mo (₹4,800/yr) | — |
| Travel | — | — | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 10% | 6X 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 | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
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https://cardhungry.com/in/en/compare/au-altura-vs-hsbc-cashback-vs-sbi-card-milesMore AU Altura Credit Card comparisons
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