Side-by-side · honest numbers
AU Altura Credit Card vs Kotak White Credit Card vs SBI Card ELITE
Honest side-by-side comparison of AU Altura Credit Card, Kotak White Credit Card, SBI Card ELITE — 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 SBI Card ELITE by about ₹219/yr.
| Feature | AU Altura Credit Card AU Small Finance Bank | Kotak White Credit Card Kotak Mahindra Bank | SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹3,000 | ₹4,999 |
| Fee waiver threshold | Lifetime free | Waived at ₹4,00,000/yr spend | ₹10,00,000/yr |
| Min income | ₹15,000/mo | ₹50,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | ₹80/yr | ₹1,701/yr |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 2X reward points | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access — verify visit count on issuer site | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | — | — | ₹5,000 |
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?
- 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.
- 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
Kotak White Credit Card
Kotak Mahindra Bank
SBI Card ELITE
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 | Kotak Mahindra BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra Bank | SBI CardPlatinum SBI Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹3,000 | ₹4,999 |
| Fee waiver threshold | Lifetime free | Waived at ₹4,00,000/yr spend | ₹10,00,000/yr |
| Min income | ₹15,000/mo | ₹50,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | ₹80/yr | ₹1,701/yr |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 2X reward points | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access — verify visit count on issuer site | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | — | — | ₹5,000 |
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https://cardhungry.com/in/en/compare/au-altura-vs-kotak-white-vs-sbi-eliteMore AU Altura Credit Card comparisons
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