AU Altura Plus Credit Card vs PVR INOX Kotak Credit Card
AU Small Finance Bank · Kotak Mahindra 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%
Kotak Mahindra BankScoreBasic
Annual Fee₹499
Max RewardStandard
AU Altura Plus Credit Card leads overall with a CardCheck Score of 60/100 (+11 pts over PVR INOX Kotak Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs PVRReward Power
35%AU20/35
PVR15/35
AU Wins
Fee Value & ROI
25%AU24/25
PVR22/25
AU Wins
Lounge & Travel
20%AU4/20
PVR4/20
Tie (4/20)
Forex & Access
20%AU12/20
PVR8/20
AU Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 60Best
- 49
- Rating Verdict
- Good
- Basic
- Reward Power (35%)
- 20/35
- 15/35
- Fee Value & ROI (25%)
- 24/25
- 22/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 12/20
- 8/20
02—Basic Info
- Bank
- AU Small Finance Bank
- Kotak Mahindra Bank
- Network
- Mastercard
- —
- Card type
- Regular
- Co-branded
- Best for
- AU entry-level card — milestone cashback on ₹10K, ₹20K, ₹40K monthly spends
- movie lovers
03—Fees
- Joining fee
- ₹499
- FreeBest
- Annual fee
- ₹499
- ₹499
- Fee waiver
- ₹60,000
- —
- Interest-free days
- —
- 51
04—Interest
- APR (min)
- 42%Best
- 45%
- APR (max)
- 42%Best
- 45%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 0.5%
- —
- Max rate
- 1.5%
- —
- Points / ₹100
- 1
- —
- Point value
- ₹0.25
- —
- Monthly cap
- ₹100
- ₹300
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
- 21
- Min income / month
- ₹15,000
- —
- Min CIBIL
- 650
- —
- Invite only
Rows won
03of 04
01of 04
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 60Best | 49 |
| Rating Verdict | Good | Basic |
| Reward Power (35%) | 20/35 | 15/35 |
| Fee Value & ROI (25%) | 24/25 | 22/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | Kotak Mahindra Bank |
| Network | Mastercard | — |
| Card type | Regular | Co-branded |
| Best for | AU entry-level card — milestone cashback on ₹10K, ₹20K, ₹40K monthly spends | movie lovers |
03—Fees Differences highlighted | ||
| Joining fee | ₹499 | FreeBest |
| Annual fee | ₹499 | ₹499 |
| Fee waiver | ₹60,000 | — |
| Interest-free days | — | 51 |
04—Interest Differences highlighted | ||
| APR (min) | 42%Best | 45% |
| APR (max) | 42%Best | 45% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 0.5% | — |
| Max rate | 1.5% | — |
| Points / ₹100 | 1 | — |
| Point value | ₹0.25 | — |
| Monthly cap | ₹100 | ₹300 |
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 | 21 |
| Min income / month | ₹15,000 | — |
| Min CIBIL | 650 | — |
| Invite only | ||
| Rows won | 03of 04 | 01of 04 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU Altura Plus Credit Card | PVR INOX Kotak Credit Card |
|---|---|---|
| CardCheck Score | 60/100Good | 49/100Basic |
| Annual Fee | ₹499 | ₹499 |
| Fee Waiver Spend | ₹60,000/yr | No waiver |
| Max Reward Potential | 1.5% | Standard |
| 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 PVR INOX Kotak Credit Card if:
Your spending aligns with movie lovers and you prioritize Kotak Mahindra Bank's redemption benefits.
Frequently asked questions: AU Altura Plus Credit Card vs PVR INOX Kotak Credit Card
- Which is better: AU Altura Plus Credit Card or PVR INOX Kotak Credit Card?
- AU Altura Plus Credit Card holds a higher overall rating with a CardCheck Score of 60/100 (Good) compared to 49/100 (Basic) for PVR INOX Kotak Credit Card (a lead of +11 points). AU Altura Plus 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, PVR INOX Kotak Credit Card charges an annual fee of ₹499 with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between AU Altura Plus Credit Card and PVR INOX Kotak 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, PVR INOX Kotak Credit Card offers a base rate of standard and up to accelerated 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 PVR INOX Kotak Credit Card?
- AU Altura Plus Credit Card provides no complimentary domestic lounge access. On the other hand, PVR INOX Kotak Credit Card 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 PVR INOX Kotak 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).