AU Altura Plus Credit Card vs SBI Unnati Credit Card
AU Small Finance Bank · SBI Card — 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%
SBI CardScoreFair
Annual Fee₹499
Max Reward1%
AU Altura Plus Credit Card leads overall with a CardCheck Score of 60/100 (+6 pts over SBI Unnati Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs SBIReward Power
35%AU20/35
SBI20/35
Tie (20/35)
Fee Value & ROI
25%AU24/25
SBI22/25
AU Wins
Lounge & Travel
20%AU4/20
SBI4/20
Tie (4/20)
Forex & Access
20%AU12/20
SBI8/20
AU Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 60Best
- 54
- Rating Verdict
- Good
- Fair
- Reward Power (35%)
- 20/35
- 20/35
- 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
- SBI Card
- Network
- Mastercard
- Visa
- Card type
- Regular
- Secured
- Best for
- AU entry-level card — milestone cashback on ₹10K, ₹20K, ₹40K monthly spends
- Building credit — secured card against SBI fixed deposit, 1% cashback
03—Fees
- Joining fee
- ₹499
- FreeBest
- Annual fee
- ₹499
- ₹499
- Fee waiver
- ₹60,000
- —
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 42%
- 36%Best
- APR (max)
- 42%
- 42%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 0.5%
- 1%Best
- Max rate
- 1.5%Best
- 1%
- 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%
- 3.5%
- 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
02of 06
04of 06
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 60Best | 54 |
| Rating Verdict | Good | Fair |
| Reward Power (35%) | 20/35 | 20/35 |
| 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 | SBI Card |
| Network | Mastercard | Visa |
| Card type | Regular | Secured |
| Best for | AU entry-level card — milestone cashback on ₹10K, ₹20K, ₹40K monthly spends | Building credit — secured card against SBI fixed deposit, 1% cashback |
03—Fees Differences highlighted | ||
| Joining fee | ₹499 | FreeBest |
| Annual fee | ₹499 | ₹499 |
| Fee waiver | ₹60,000 | — |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 36%Best |
| APR (max) | 42% | 42% |
| Late payment fee | — | ₹1,300 |
| 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%Best | 1% |
| 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% | 3.5% |
| 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 | 02of 06 | 04of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU Altura Plus Credit Card | SBI Unnati Credit Card |
|---|---|---|
| CardCheck Score | 60/100Good | 54/100Fair |
| Annual Fee | ₹499 | ₹499 |
| Fee Waiver Spend | ₹60,000/yr | No waiver |
| Max Reward Potential | 1.5% | 1% |
| 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 SBI Unnati Credit Card if:
Your spending aligns with building credit — secured card against sbi fixed deposit, 1% cashback and you prioritize SBI Card's redemption benefits.
Frequently asked questions: AU Altura Plus Credit Card vs SBI Unnati Credit Card
- Which is better: AU Altura Plus Credit Card or SBI Unnati Credit Card?
- AU Altura Plus Credit Card holds a higher overall rating with a CardCheck Score of 60/100 (Good) compared to 54/100 (Fair) for SBI Unnati Credit Card (a lead of +6 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, SBI Unnati 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 SBI Unnati 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, SBI Unnati Credit Card offers a base rate of 1% and up to 1% 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 SBI Unnati Credit Card?
- AU Altura Plus Credit Card provides no complimentary domestic lounge access. On the other hand, SBI Unnati 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 SBI Unnati 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).