Side-by-side · honest numbers
AU Altura Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of AU Altura Credit Card, SBI Card against Fixed Deposit — 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
SBI Card against Fixed Deposit
SBI Card
Your adjusted comparison
| Feature | AU Altura Credit Card AU Small Finance Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹199 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₹15,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹1,415/yr | ₹1,440/yr |
| Utilities & bills | ₹3,500 × 2% = ₹70/mo (₹840/yr) | — |
| Top reward rate | 2% cashback | 80% of FD value |
| Primary reward cap | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Cap-aware split: ~₹1,835/yr combined NAV (₹395 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/au-altura-vs-sbi-fd-securedReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI Card against Fixed Deposit leads AU Altura Credit Card by about ₹25/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
| Feature | AU Altura Credit Card AU Small Finance Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹199 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₹15,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹1,415/yr | ₹1,440/yr |
| Utilities & bills | ₹3,500 × 2% = ₹70/mo (₹840/yr) | — |
| Top reward rate | 2% cashback | 80% of FD value |
| Primary reward cap | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- SBI Card against Fixed Deposit leads with an estimated ₹1,440/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)?
- SBI Card against Fixed Deposit 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.
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