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AU Altura Credit Card vs RBL World Safari

Honest side-by-side comparison of AU Altura Credit Card, RBL World Safari — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

AU Altura Credit Card

AU Small Finance Bank

RBL World Safari

RBL Bank

Your adjusted comparison

Feature
AU Altura Credit Card

AU Altura Credit Card

AU Small Finance Bank

RBL World Safari credit card

RBL World Safari

RBL Bank

Fees & eligibility
Annual fee₹199₹3,000
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹15,000/mo₹50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,415/yr-₹2,052/yr
Travel—₹3,000 → 80 pts/mo × ₹0.30/pt = ₹24/mo (₹288/yr)
Utilities & bills₹3,500 × 2% = ₹70/mo (₹840/yr)—
Top reward rate2% cashback4X points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNone2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Rent · Wallet
Bonuses
Signup bonus—₹3,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

AU Altura Credit Card details →RBL World Safari details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, AU Altura Credit Card leads RBL World Safari by about ₹3,467/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

AU Altura Credit Card vs RBL World Safari comparison table
FeatureAU Altura Credit Card

AU Small Finance Bank

RBL World Safari

RBL Bank

Fees & eligibility
Annual fee₹199₹3,000
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹15,000/mo₹50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,415/yr-₹2,052/yr
Travel—₹3,000 → 80 pts/mo × ₹0.30/pt = ₹24/mo (₹288/yr)
Utilities & bills₹3,500 × 2% = ₹70/mo (₹840/yr)—
Top reward rate2% cashback4X points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNone2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Rent · Wallet
Bonuses
Signup bonus—₹3,000

Frequently asked questions

Which card has the lower annual fee?
AU Altura Credit Card has the lowest annual fee at ₹199.
Which card earns more on moderate spend?
AU Altura Credit Card leads with an estimated ₹1,415/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.

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