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?

AU Altura Credit Card leads with an estimated ₹1,920/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 FIRST WOW Credit Card 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 ICICI Coral Credit Card vs IDFC FIRST WOW Credit Card

Honest side-by-side comparison of AU Altura Credit Card, ICICI Coral Credit Card, IDFC FIRST WOW 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, AU Altura Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹1,120/yr.

AU Altura Credit Card vs ICICI Coral Credit Card vs IDFC FIRST WOW Credit Card comparison table
Feature	AU Altura Credit Card AU Small Finance Bank	ICICI Coral Credit Card ICICI Bank	IDFC FIRST WOW Credit Card IDFC FIRST Bank
Annual fee	₹0	₹500	₹0
Min income (monthly)	₹15,000	₹30,000	Not stated
Top reward rate	2% cashback	2 RP/₹100	1X reward points
Net annual value (moderate spend)	₹1,920/yr	₹90/yr	₹800/yr
Secured / FD-backed	No	No	Yes
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?: AU Altura Credit Card leads with an estimated ₹1,920/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 FIRST WOW Credit Card 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	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	IDFC FIRST BankClassic IDFC FIRST WOW Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST WOW Credit Card Top reward1X reward points Annual feeLifetime Free Tap to flip back IDFC FIRST WOW Credit Card IDFC FIRST Bank
Annual fee	₹0	₹500	₹0
Min income	₹15,000	₹30,000	Not stated
Top reward rate	2% cashback	2 RP/₹100	1X reward points
Net value (moderate)	₹1,920/yr	₹90/yr	₹800/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	—	—	—

AU Altura Credit Card details →ICICI Coral Credit Card details →IDFC FIRST WOW Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More AU Altura Credit Card comparisons