AU Altura Plus Credit Card vs Swiggy HDFC Bank Credit Card
AU Small Finance Bank · HDFC 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%
HDFC BankScoreVery Good
Annual Fee₹500
Max Reward10%
Swiggy HDFC Bank Credit Card leads overall with a CardCheck Score of 73/100 (+13 pts over AU Altura Plus Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs SwiggyReward Power
35%AU20/35
Swiggy35/35
Swiggy Wins
Fee Value & ROI
25%AU24/25
Swiggy22/25
AU Wins
Lounge & Travel
20%AU4/20
Swiggy4/20
Tie (4/20)
Forex & Access
20%AU12/20
Swiggy12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 60
- 73Best
- Rating Verdict
- Good
- Very Good
- Reward Power (35%)
- 20/35
- 35/35
- Fee Value & ROI (25%)
- 24/25
- 22/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- AU Small Finance Bank
- HDFC Bank
- Network
- Mastercard
- Visa
- Card type
- Regular
- Co-branded
- Best for
- AU entry-level card — milestone cashback on ₹10K, ₹20K, ₹40K monthly spends
- Swiggy app users — 10% cashback on food, Instamart & eligible Swiggy spends
03—Fees
- Joining fee
- ₹499Best
- ₹500
- Annual fee
- ₹499Best
- ₹500
- Fee waiver
- ₹60,000Best
- ₹2,00,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 0.5%
- 1%Best
- Max rate
- 1.5%
- 10%Best
- Points / ₹100
- 1
- —
- Point value
- ₹0.25
- —
- Monthly cap
- ₹100
- ₹1,500
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 0
- Intl lounge / year
- 0
- 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
- 21
- Min income / month
- ₹15,000
- ₹25,000
- Min CIBIL
- 650Best
- 700
- Invite only
Rows won
04of 07
03of 07
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 60 | 73Best |
| Rating Verdict | Good | Very Good |
| Reward Power (35%) | 20/35 | 35/35 |
| Fee Value & ROI (25%) | 24/25 | 22/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | HDFC Bank |
| Network | Mastercard | Visa |
| Card type | Regular | Co-branded |
| Best for | AU entry-level card — milestone cashback on ₹10K, ₹20K, ₹40K monthly spends | Swiggy app users — 10% cashback on food, Instamart & eligible Swiggy spends |
03—Fees Differences highlighted | ||
| Joining fee | ₹499Best | ₹500 |
| Annual fee | ₹499Best | ₹500 |
| Fee waiver | ₹60,000Best | ₹2,00,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 0.5% | 1%Best |
| Max rate | 1.5% | 10%Best |
| Points / ₹100 | 1 | — |
| Point value | ₹0.25 | — |
| Monthly cap | ₹100 | ₹1,500 |
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% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹15,000 | ₹25,000 |
| Min CIBIL | 650Best | 700 |
| Invite only | ||
| Rows won | 04of 07 | 03of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU Altura Plus Credit Card | Swiggy HDFC Bank Credit Card |
|---|---|---|
| CardCheck Score | 60/100Good | 73/100Very Good |
| Annual Fee | ₹499 | ₹500 |
| Fee Waiver Spend | ₹60,000/yr | ₹2L/yr |
| Max Reward Potential | 1.5% | 10% |
| Domestic Lounge Access | None | None |
| 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 Swiggy HDFC Bank Credit Card if:
Your spending aligns with swiggy app users — 10% cashback on food, instamart & eligible swiggy spends and you prioritize HDFC Bank's redemption benefits.
Frequently asked questions: AU Altura Plus Credit Card vs Swiggy HDFC Bank Credit Card
- Which is better: AU Altura Plus Credit Card or Swiggy HDFC Bank Credit Card?
- Swiggy HDFC Bank Credit Card holds a higher overall rating with a CardCheck Score of 73/100 (Very Good) compared to 60/100 (Good) for AU Altura Plus Credit Card (a lead of +13 points). Swiggy HDFC 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, Swiggy HDFC Bank Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹2 Lakh.
- How do the reward rates and cashback compare between AU Altura Plus Credit Card and Swiggy HDFC 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, Swiggy HDFC Bank Credit Card offers a base rate of 1% 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 Swiggy HDFC Bank Credit Card?
- AU Altura Plus Credit Card provides no complimentary domestic lounge access. On the other hand, Swiggy HDFC 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 Swiggy HDFC Bank Credit Card 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).