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?

IDFC FIRST Millennia Credit Card leads with an estimated ₹4,712/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.

Side-by-side · honest numbers

AU Altura Credit Card vs IDFC FIRST Millennia Credit Card

Honest side-by-side comparison of AU Altura Credit Card, IDFC FIRST Millennia 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, IDFC FIRST Millennia Credit Card leads AU Altura Credit Card by about ₹2,792/yr in estimated net value.

AU Altura Credit Card vs IDFC FIRST Millennia Credit Card comparison table
Feature	AU Altura Credit Card AU Small Finance Bank	IDFC FIRST Millennia Credit Card IDFC FIRST Bank
Annual fee	₹0	₹0
Min income (monthly)	₹15,000	₹20,000
Top reward rate	2% cashback	3%
Net annual value (moderate spend)	₹1,920/yr	₹4,712/yr
Secured / FD-backed	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?: IDFC FIRST Millennia Credit Card leads with an estimated ₹4,712/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.

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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 FIRST Millennia Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Millennia Credit Card Top reward3% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IDFC FIRST Millennia Credit Card IDFC FIRST Bank
Annual fee	₹0	₹0
Min income	₹15,000	₹20,000
Top reward rate	2% cashback	3%
Net value (moderate)	₹1,920/yr	₹4,712/yr
Secured / no bureau	Standard	Standard
Signup bonus	—	—

AU Altura Credit Card details →IDFC FIRST Millennia Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More AU Altura Credit Card comparisons