AU Altura Plus Credit Card vs Axis SuperMoney RuPay
AU Small Finance Bank · Axis Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
AU Small Finance BankScoreGood
Annual Fee₹499
Max Reward1.5%
Axis BankScoreGood
Annual FeeFree
Max Reward3%
Axis SuperMoney RuPay leads overall with a CardCheck Score of 68/100 (+8 pts over AU Altura Plus Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs AxisReward Power
35%AU20/35
Axis27/35
Axis Wins
Fee Value & ROI
25%AU24/25
Axis25/25
Axis Wins
Lounge & Travel
20%AU4/20
Axis4/20
Tie (4/20)
Forex & Access
20%AU12/20
Axis12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 60
- 68Best
- Rating Verdict
- Good
- Good
- Reward Power (35%)
- 20/35
- 27/35
- Fee Value & ROI (25%)
- 24/25
- 25/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- AU Small Finance Bank
- Axis Bank
- Network
- Mastercard
- RuPay
- Card type
- Regular
- Co-branded
- Best for
- AU entry-level card — milestone cashback on ₹10K, ₹20K, ₹40K monthly spends
- UPI cashback,everyday cashback spends
03—Fees
- Joining fee
- ₹499
- FreeBest
- Annual fee
- ₹499
- FreeBest
- Fee waiver
- ₹60,000
- —
04—Interest
- APR (min)
- 42%Best
- 45%
- APR (max)
- 42%Best
- 45%
- Late payment fee
- —
- ₹1,200
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 0.5%
- 1%Best
- Max rate
- 1.5%
- 3%Best
- Points / ₹100
- 1
- —
- Point value
- ₹0.25
- ₹0
- Monthly cap
- ₹100
- ₹500
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- —
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- —
- Min income / month
- ₹15,000
- —
- Min CIBIL
- 650
- —
- Invite only
Rows won
02of 07
05of 07
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 60 | 68Best |
| Rating Verdict | Good | Good |
| Reward Power (35%) | 20/35 | 27/35 |
| Fee Value & ROI (25%) | 24/25 | 25/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | Axis Bank |
| Network | Mastercard | RuPay |
| Card type | Regular | Co-branded |
| Best for | AU entry-level card — milestone cashback on ₹10K, ₹20K, ₹40K monthly spends | UPI cashback,everyday cashback spends |
03—Fees Differences highlighted | ||
| Joining fee | ₹499 | FreeBest |
| Annual fee | ₹499 | FreeBest |
| Fee waiver | ₹60,000 | — |
04—Interest Differences highlighted | ||
| APR (min) | 42%Best | 45% |
| APR (max) | 42%Best | 45% |
| Late payment fee | — | ₹1,200 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 0.5% | 1%Best |
| Max rate | 1.5% | 3%Best |
| Points / ₹100 | 1 | — |
| Point value | ₹0.25 | ₹0 |
| Monthly cap | ₹100 | ₹500 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | — |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | — |
| Min income / month | ₹15,000 | — |
| Min CIBIL | 650 | — |
| Invite only | ||
| Rows won | 02of 07 | 05of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU Altura Plus Credit Card | Axis SuperMoney RuPay |
|---|---|---|
| CardCheck Score | 60/100Good | 68/100Good |
| Annual Fee | ₹499 | Free (₹0) |
| Fee Waiver Spend | ₹60,000/yr | No waiver |
| Max Reward Potential | 1.5% | 3% |
| Domestic Lounge Access | None | Check terms |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose AU Altura Plus Credit Card if:
Your spending centers around au entry-level card — milestone cashback on ₹10k, ₹20k, ₹40k monthly spends and you want direct partner rewards with AU Small Finance Bank.
Choose Axis SuperMoney RuPay if:
You prioritize Axis Bank's features, reward redemption catalog, and fee terms.
Frequently asked questions: AU Altura Plus Credit Card vs Axis SuperMoney RuPay
- Which is better: AU Altura Plus Credit Card or Axis SuperMoney RuPay?
- Axis SuperMoney RuPay holds a higher overall rating with a CardCheck Score of 68/100 (Good) compared to 60/100 (Good) for AU Altura Plus Credit Card (a lead of +8 points). Axis SuperMoney RuPay provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- AU Altura Plus Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹60,000 for renewal fee waiver. In comparison, Axis SuperMoney RuPay charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between AU Altura Plus Credit Card and Axis SuperMoney RuPay?
- AU Altura Plus Credit Card offers a base reward rate of 0.5% and up to 1.5% on accelerated partner categories. Meanwhile, Axis SuperMoney RuPay offers a base rate of 1% and up to 3% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: AU Altura Plus Credit Card or Axis SuperMoney RuPay?
- AU Altura Plus Credit Card provides no complimentary domestic lounge access. On the other hand, Axis SuperMoney RuPay provides standard lounge access terms subject to bank quarterly spend criteria. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- AU Altura Plus Credit Card levies a foreign currency markup fee of 3.5%, while Axis SuperMoney RuPay charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).