AU Altura Plus Credit Card vs IDFC FIRST WOW! Credit Card
AU Small Finance Bank · IDFC FIRST 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%
IDFC FIRST BankScoreGood
Annual FeeFree
Max Reward2%
IDFC FIRST WOW! Credit Card leads overall with a CardCheck Score of 67/100 (+7 pts over AU Altura Plus Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs IDFCReward Power
35%AU20/35
IDFC24/35
IDFC Wins
Fee Value & ROI
25%AU24/25
IDFC25/25
IDFC Wins
Lounge & Travel
20%AU4/20
IDFC4/20
Tie (4/20)
Forex & Access
20%AU12/20
IDFC14/20
IDFC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 60
- 67Best
- Rating Verdict
- Good
- Good
- Reward Power (35%)
- 20/35
- 24/35
- 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
- IDFC FIRST Bank
- Network
- Mastercard
- Visa
- Card type
- Regular
- Regular
- Best for
- AU entry-level card — milestone cashback on ₹10K, ₹20K, ₹40K monthly spends
- FD-secured beginners — lifetime free, 0% forex, FIRST Coins (incl. up to 4X on eligible spends)
03—Fees
- Joining fee
- ₹499
- FreeBest
- Annual fee
- ₹499
- FreeBest
- Fee waiver
- ₹60,000
- —
04—Interest
- APR (min)
- 42%
- 8.5%Best
- APR (max)
- 42%Best
- 46.2%
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 0.5%
- 1%Best
- Max rate
- 1.5%
- 2%Best
- Points / ₹100
- 1
- 3Best
- Point value
- ₹0.25
- ₹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
- Free
- Min CIBIL
- 650
- 0Best
- Invite only
Rows won
01of 10
09of 10
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 60 | 67Best |
| Rating Verdict | Good | Good |
| Reward Power (35%) | 20/35 | 24/35 |
| 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 | IDFC FIRST Bank |
| Network | Mastercard | Visa |
| Card type | Regular | Regular |
| Best for | AU entry-level card — milestone cashback on ₹10K, ₹20K, ₹40K monthly spends | FD-secured beginners — lifetime free, 0% forex, FIRST Coins (incl. up to 4X on eligible spends) |
03—Fees Differences highlighted | ||
| Joining fee | ₹499 | FreeBest |
| Annual fee | ₹499 | FreeBest |
| Fee waiver | ₹60,000 | — |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 8.5%Best |
| APR (max) | 42%Best | 46.2% |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 0.5% | 1%Best |
| Max rate | 1.5% | 2%Best |
| Points / ₹100 | 1 | 3Best |
| Point value | ₹0.25 | ₹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 | Free |
| Min CIBIL | 650 | 0Best |
| Invite only | ||
| Rows won | 01of 10 | 09of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU Altura Plus Credit Card | IDFC FIRST WOW! Credit Card |
|---|---|---|
| CardCheck Score | 60/100Good | 67/100Good |
| Annual Fee | ₹499 | Free (₹0) |
| Fee Waiver Spend | ₹60,000/yr | No waiver |
| Max Reward Potential | 1.5% | 2% |
| 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 IDFC FIRST WOW! Credit Card if:
Your spending aligns with fd-secured beginners — lifetime free, 0% forex, first coins (incl. up to 4x on eligible spends) and you prioritize IDFC FIRST Bank's redemption benefits.
Frequently asked questions: AU Altura Plus Credit Card vs IDFC FIRST WOW! Credit Card
- Which is better: AU Altura Plus Credit Card or IDFC FIRST WOW! Credit Card?
- IDFC FIRST WOW! Credit Card holds a higher overall rating with a CardCheck Score of 67/100 (Good) compared to 60/100 (Good) for AU Altura Plus Credit Card (a lead of +7 points). IDFC FIRST WOW! 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, IDFC FIRST WOW! 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 IDFC FIRST WOW! 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, IDFC FIRST WOW! Credit Card offers a base rate of 1% and up to 2% 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 IDFC FIRST WOW! Credit Card?
- AU Altura Plus Credit Card provides no complimentary domestic lounge access. On the other hand, IDFC FIRST WOW! 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 IDFC FIRST WOW! 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).