AU Altura Plus Credit Card vs Standard Chartered DigiSmart Credit Card
AU Small Finance Bank · Standard Chartered 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%
Standard Chartered BankScoreFair
Annual Fee₹588
Max Reward2%
AU Altura Plus Credit Card leads overall with a CardCheck Score of 60/100 (+2 pts over Standard Chartered DigiSmart Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs StandardReward Power
35%AU20/35
Standard24/35
Standard Wins
Fee Value & ROI
25%AU24/25
Standard18/25
AU Wins
Lounge & Travel
20%AU4/20
Standard4/20
Tie (4/20)
Forex & Access
20%AU12/20
Standard12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 60Best
- 58
- Rating Verdict
- Good
- Fair
- Reward Power (35%)
- 20/35
- 24/35
- Fee Value & ROI (25%)
- 24/25
- 18/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- AU Small Finance Bank
- Standard Chartered Bank
- Network
- Mastercard
- Visa
- Card type
- Regular
- Regular
- Best for
- AU entry-level card — milestone cashback on ₹10K, ₹20K, ₹40K monthly spends
- Digital lifestyle — discounts on Myntra, Zomato, Swiggy, BigBasket, Hotstar
03—Fees
- Joining fee
- ₹499
- FreeBest
- Annual fee
- ₹499Best
- ₹588
- Fee waiver
- ₹60,000
- —
- Interest-free days
- —
- 48
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Cash advance fee
- 2.5%Best
- 3.75%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 0.5%
- 1%Best
- Max rate
- 1.5%
- 2%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%
- 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 | 60Best | 58 |
| Rating Verdict | Good | Fair |
| Reward Power (35%) | 20/35 | 24/35 |
| Fee Value & ROI (25%) | 24/25 | 18/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | Standard Chartered Bank |
| Network | Mastercard | Visa |
| Card type | Regular | Regular |
| Best for | AU entry-level card — milestone cashback on ₹10K, ₹20K, ₹40K monthly spends | Digital lifestyle — discounts on Myntra, Zomato, Swiggy, BigBasket, Hotstar |
03—Fees Differences highlighted | ||
| Joining fee | ₹499 | FreeBest |
| Annual fee | ₹499Best | ₹588 |
| Fee waiver | ₹60,000 | — |
| Interest-free days | — | 48 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Cash advance fee | 2.5%Best | 3.75% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 0.5% | 1%Best |
| Max rate | 1.5% | 2%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% | 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 | Standard Chartered DigiSmart Credit Card |
|---|---|---|
| CardCheck Score | 60/100Good | 58/100Fair |
| Annual Fee | ₹499 | ₹588 |
| 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% | 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 Standard Chartered DigiSmart Credit Card if:
Your spending aligns with digital lifestyle — discounts on myntra, zomato, swiggy, bigbasket, hotstar and you prioritize Standard Chartered Bank's redemption benefits.
Frequently asked questions: AU Altura Plus Credit Card vs Standard Chartered DigiSmart Credit Card
- Which is better: AU Altura Plus Credit Card or Standard Chartered DigiSmart Credit Card?
- AU Altura Plus Credit Card holds a higher overall rating with a CardCheck Score of 60/100 (Good) compared to 58/100 (Fair) for Standard Chartered DigiSmart Credit Card (a lead of +2 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, Standard Chartered DigiSmart Credit Card charges an annual fee of ₹588 with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between AU Altura Plus Credit Card and Standard Chartered DigiSmart 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, Standard Chartered DigiSmart 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 Standard Chartered DigiSmart Credit Card?
- AU Altura Plus Credit Card provides no complimentary domestic lounge access. On the other hand, Standard Chartered DigiSmart 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 Standard Chartered DigiSmart 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).