Side-by-side · honest numbers
AU Altura Credit Card vs IDFC FIRST WOW Credit Card vs slice credit card
Honest side-by-side comparison of AU Altura Credit Card, IDFC FIRST WOW Credit Card, slice 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, slice credit card ranks first for estimated net annual value — ahead of AU Altura Credit Card by about ₹1,590/yr.
| Feature | AU Altura Credit Card AU Small Finance Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank | slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | Lifetime free |
| Fee waiver threshold | Lifetime free | Lifetime free | Lifetime free |
| Min income | ₹15,000/mo | Not stated | ₹15,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | ₹800/yr | ₹3,510/yr |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 1X reward points | Up to 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹500 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent | Not stated | Rent · Wallet loads · EMI |
| Bonuses | |||
| 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?
- slice credit card leads with an estimated ₹3,510/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.
AU Altura Credit Card
AU Small Finance Bank
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
slice credit card
Slice
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 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 | SliceGold slice credit card •••• •••• •••• 4242 Quick facts slice credit card Top rewardUp to 1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | Lifetime free |
| Fee waiver threshold | Lifetime free | Lifetime free | Lifetime free |
| Min income | ₹15,000/mo | Not stated | ₹15,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | ₹800/yr | ₹3,510/yr |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 1X reward points | Up to 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹500 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent | Not stated | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/au-altura-vs-idfc-first-wow-vs-slice-credit-cardMore AU Altura Credit Card comparisons
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