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?

811 Dream Different Credit Card leads with an estimated ₹8,330/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 IDFC Ashva Gold (FD) vs 811 Dream Different Credit Card

Honest side-by-side comparison of AU Altura Credit Card, IDFC Ashva Gold (FD), 811 Dream Different 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, 811 Dream Different Credit Card ranks first for estimated net annual value — ahead of AU Altura Credit Card by about ₹6,410/yr.

AU Altura Credit Card vs IDFC Ashva Gold (FD) vs 811 Dream Different Credit Card comparison table
Feature	AU Altura Credit Card AU Small Finance Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	811 Dream Different Credit Card Kotak Mahindra Bank
Annual fee	₹0	₹0	₹0
Min income (monthly)	₹15,000	Not stated	₹20,000
Top reward rate	2% cashback	2X reward points	5%
Net annual value (moderate spend)	₹1,920/yr	₹1,600/yr	₹8,330/yr
Secured / FD-backed	No	Yes	No
Signup bonus	—	—	₹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?: 811 Dream Different Credit Card leads with an estimated ₹8,330/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	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	Kotak Mahindra BankGold 811 Dream Different Credit Card •••• •••• •••• 4242 Quick facts 811 Dream Different Credit Card Top reward5% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back 811 Dream Different Credit Card Kotak Mahindra Bank
Annual fee	₹0	₹0	₹0
Min income	₹15,000	Not stated	₹20,000
Top reward rate	2% cashback	2X reward points	5%
Net value (moderate)	₹1,920/yr	₹1,600/yr	₹8,330/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	—	—	₹500

AU Altura Credit Card details →IDFC Ashva Gold (FD) details →811 Dream Different Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More AU Altura Credit Card comparisons