AU Altura Plus Credit Card vs Scapia Federal Bank Credit Card
AU Small Finance Bank · Federal 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%
Federal BankScoreVery Good
Annual FeeFree
Max Reward10%
Scapia Federal Bank Credit Card leads overall with a CardCheck Score of 78/100 (+18 pts over AU Altura Plus Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs ScapiaReward Power
35%AU20/35
Scapia35/35
Scapia Wins
Fee Value & ROI
25%AU24/25
Scapia25/25
Scapia Wins
Lounge & Travel
20%AU4/20
Scapia4/20
Tie (4/20)
Forex & Access
20%AU12/20
Scapia14/20
Scapia Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 60
- 78Best
- Rating Verdict
- Good
- Very Good
- Reward Power (35%)
- 20/35
- 35/35
- Fee Value & ROI (25%)
- 24/25
- 25/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 12/20
- 14/20
02—Basic Info
- Bank
- AU Small Finance Bank
- Federal Bank
- Network
- Mastercard
- Visa
- Card type
- Regular
- Co-branded
- Best for
- AU entry-level card — milestone cashback on ₹10K, ₹20K, ₹40K monthly spends
- International travellers — zero forex + travel coins on every spend
03—Fees
- Joining fee
- ₹499
- FreeBest
- Annual fee
- ₹499
- FreeBest
- Fee waiver
- ₹60,000
- —
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 0.5%
- 2%Best
- Max rate
- 1.5%
- 10%Best
- Points / ₹100
- 1
- —
- Point value
- ₹0.25
- —
- Monthly cap
- ₹100
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 0%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 18
- Min income / month
- ₹15,000
- ₹25,000
- Min CIBIL
- 650Best
- 700
- Invite only
Rows won
01of 07
06of 07
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 60 | 78Best |
| Rating Verdict | Good | Very Good |
| Reward Power (35%) | 20/35 | 35/35 |
| Fee Value & ROI (25%) | 24/25 | 25/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | Federal Bank |
| Network | Mastercard | Visa |
| Card type | Regular | Co-branded |
| Best for | AU entry-level card — milestone cashback on ₹10K, ₹20K, ₹40K monthly spends | International travellers — zero forex + travel coins on every spend |
03—Fees Differences highlighted | ||
| Joining fee | ₹499 | FreeBest |
| Annual fee | ₹499 | FreeBest |
| Fee waiver | ₹60,000 | — |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 0.5% | 2%Best |
| Max rate | 1.5% | 10%Best |
| Points / ₹100 | 1 | — |
| Point value | ₹0.25 | — |
| Monthly cap | ₹100 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 0%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 18 |
| Min income / month | ₹15,000 | ₹25,000 |
| Min CIBIL | 650Best | 700 |
| Invite only | ||
| Rows won | 01of 07 | 06of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU Altura Plus Credit Card | Scapia Federal Bank Credit Card |
|---|---|---|
| CardCheck Score | 60/100Good | 78/100Very Good |
| Annual Fee | ₹499 | Free (₹0) |
| Fee Waiver Spend | ₹60,000/yr | No waiver |
| Max Reward Potential | 1.5% | 10% |
| Domestic Lounge Access | None | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 0% |
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 Scapia Federal Bank Credit Card if:
Your spending aligns with international travellers — zero forex + travel coins on every spend and you prioritize Federal Bank's redemption benefits.
Frequently asked questions: AU Altura Plus Credit Card vs Scapia Federal Bank Credit Card
- Which is better: AU Altura Plus Credit Card or Scapia Federal Bank Credit Card?
- Scapia Federal Bank Credit Card holds a higher overall rating with a CardCheck Score of 78/100 (Very Good) compared to 60/100 (Good) for AU Altura Plus Credit Card (a lead of +18 points). Scapia Federal Bank Credit Card 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, Scapia Federal Bank Credit Card 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 Scapia Federal Bank Credit Card?
- AU Altura Plus Credit Card offers a base reward rate of 0.5% and up to 1.5% on accelerated partner categories. Meanwhile, Scapia Federal Bank Credit Card offers a base rate of 2% and up to 10% 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 Scapia Federal Bank Credit Card?
- AU Altura Plus Credit Card provides no complimentary domestic lounge access. On the other hand, Scapia Federal Bank Credit Card provides no complimentary domestic lounge access. 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 Scapia Federal Bank Credit Card charges 0%. 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).