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Aditya Birla AU Bank Credit Cards VS AU Altura Credit Card VS AU Altura Plus Credit Card VS AU Ananta Credit Card

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026
Aditya Birla AU Bank Credit Cards
Aditya Birla AU Bank Credit Cards
AU Altura Credit Card
AU Altura Credit Card
AU Altura Plus Credit Card
AU Altura Plus Credit Card
AU Ananta Credit Card
AU Ananta Credit Card

Fees & Charges

Joining Fee₹900 + GST
Joining Fee₹199 + GST
Joining Fee₹499 + GST
Joining Fee₹2,000 + GST
Renewal Fee₹900 + GST
Renewal Fee₹199 + GST
Renewal Fee₹499 + GST
Renewal Fee₹2,000 + GST
Spend Based WaiverJoining fee waiver on ₹15K spend (Pro); renewal fee waiver on ₹1.5L spend (Pro).
Spend Based WaiverJoining Fee waiver: Spend Rs. 10,000 in the first 90 days. Annual Fee waiver: Spend Rs. 40,000 or more in a year.
Spend Based WaiverAnnual charges waived by spending Rs. 80,000 in a card anniversary year.
Spend Based WaiverRenewal fee waived on retail spends of ₹3,00,000 in the previous card anniversary year.
Foreign Transaction FeesRanges from 1.99% (Pro) to 3.50% (Flex, Biz) of the transaction amount.
Foreign Transaction Fees3.49% on all international spends.
Foreign Transaction Fees3.49% on all foreign currency spends.
Foreign Transaction Fees
Interest Rate (APR)3.59% Per Month (43.08% Annually) on outstanding balances.
Interest Rate (APR)3.49% per month.
Interest Rate (APR)3.59% Per Month (43.08% Per Annum).
Interest Rate (APR)

Rewards & Benefits

Welcome BonusUp to 1,000 Reward Points or a 3-month Amazon Prime Membership on meeting spend criteria.
Welcome Bonus
Welcome Bonus
Welcome Bonus8,000 Bonus Reward Points upon card activation.
Rewards RateUp to 10X Reward Points on select categories; 1 RP per ₹200 for ABC Flex.
Rewards RateEarn 2% cashback on utility bills, groceries, and departmental stores, and 1% on all other spends.
Rewards Rate1.5% cashback on POS retail spends; 2 Reward Points for every Rs. 100 on online transactions.
Rewards RateEarn up to 5 Reward Points per ₹100 on Shopping, Dining, and Travel spends.
Reward TypeReward Points, Cashback
Reward TypeCashback
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNil
Reward Redemption FeeNil
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access2 free visits per quarter for ABC Pro; 1 per quarter (customizable) for Flex/Nxt.
Domestic Lounge Access2 complimentary visits to selected railway lounges in India per quarter.
Domestic Lounge Access2 complimentary railway lounge access visits every quarter at select locations.
Domestic Lounge AccessComplimentary Domestic Airport Lounge Access.
International Lounge Access
1 free visit per year for ABC Pro; available via customizable features for other cards.
International Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsFree Railway Lounge Access; 5% cashback on travel spends (customizable feature).
Travel Benefits
2 complimentary visits to selected railway lounges in India per quarter. Lounge facilities available at Kolkata, Ahmedabad, Jaipur, Agra, and Madurai.
Travel Benefits2 complimentary railway lounge access visits every quarter at select locations.
Travel BenefitsComplimentary domestic lounge access and no-cost EMI on flight and hotel bookings via AU Rewardz.
Movie BenefitsAccelerated Reward Points on Entertainment for ABC Pro cardholders.
Movie Benefits
Movie Benefits
Movie Benefits
Dining BenefitsAccelerated Reward Points & exclusive discounts; EazyDiner membership for Pro cardholders.
Dining Benefits
Dining Benefits
Dining BenefitsUp to 5 Reward Points per ₹100 spent and up to 15% instant discount at partner merchants.
Golf Benefits
Golf Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% Fuel Surcharge Waiver is applicable on fuel transactions.
Fuel Surcharge Waiver1% waiver on fuel transactions between Rs. 400 and Rs. 5,000, capped at Rs. 100 per statement cycle.
Fuel Surcharge Waiver1% waiver for transactions between Rs. 400-5,000, capped at Rs. 150 per cycle.
Fuel Surcharge Waiver1% surcharge waiver on fuel spends between ₹400–₹5,000; max ₹200 per statement cycle.

Security & Other

Insurance BenefitsExclusive offers & discounts on ABC Loans, Insurance, and Investment products.
Insurance BenefitsZero liability protection against a lost card.
Insurance BenefitsZero liability protection.
Insurance BenefitsThe card comes equipped with a comprehensive protection cover for safety and security.
Cash Advance Charges2.5% of the cash advance amount.
Cash Advance ChargesRs. 100 or 2.5% of the cash amount withdrawn, whichever is higher.
Cash Advance Charges2.5% of advanced amount or ₹500, whichever is higher.
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Aditya Birla AU Bank Credit Cards

AU Altura Credit Card

AU Altura Plus Credit Card

AU Ananta Credit Card

Who is it for?

The Aditya Birla AU Bank Credit Cards are a versatile new range designed for diverse users, from individuals to businesses. They offer unique benefits like lifetime free options, customizable features, and exclusive memberships to platforms such as ZEE5 and Amazon Prime. Cardholders can enjoy accelerated reward points on various categories, extensive lounge access, and options for reduced foreign currency markup. These cards cater to those seeking tailored financial solutions with strong rewards and lifestyle perks.

Who is it for?

The AU Altura Credit Card is a basic and pocket-friendly cashback credit card from AU Small Finance Bank, ideal for individuals starting their credit journey. It offers significant savings with up to 2% cashback on essential categories like utilities and groceries, along with 1% on other spends. Cardholders also benefit from monthly milestone cashback, complimentary railway lounge access, and a fuel surcharge waiver, all while maintaining minimal annual charges.

Who is it for?

The AU Altura Plus Credit Card is an affordable and superior credit card from AU Small Finance Bank, perfectly suited for individuals who prioritize shopping benefits. It offers a competitive 1.5% cashback on retail spends and 2x reward points on online purchases, with no maximum cap on reward points. Cardholders also enjoy valuable perks like complimentary railway lounge access and a spend-based annual fee waiver. This card is an excellent primary option for those seeking a blend of rewards and travel benefits.

Who is it for?

The Ananta Credit Card by AU Small Finance Bank is a premium lifestyle offering tailored for frequent shoppers and travelers. It features a robust rewards program with up to 5x points on dining and shopping, complemented by domestic lounge access and significant milestone benefits. Ideal for high-spenders, it provides excellent value through partner discounts and travel-specific EMI perks.

Pros

Key benefits and features.

Offers lifetime free credit card options, reducing annual financial burden significantly.

Unique customizable features allow tailoring benefits like cashback and lounge access.

Accelerated reward points across diverse categories including travel, dining, and utilities.

Includes exclusive memberships to popular platforms like Amazon Prime and ZEE5.

Provides specific card variants catering to business needs and international spends.

Pros

Key benefits and features.

Enjoy significant savings with up to 2% cashback on daily essential spends.

Benefit from a monthly milestone cashback of Rs. 50 on spending Rs. 10,000.

Access complimentary railway lounges in India, enhancing your travel experience.

Receive a 1% fuel surcharge waiver, providing savings on your fuel expenses.

Offers zero liability protection, safeguarding against unauthorized card use.

Pros

Key benefits and features.

Enjoy complimentary railway lounge access, enhancing travel convenience.

Benefit from a competitive 1.5% cashback on all retail spends at merchant outlets.

Earn accelerated 2 Reward Points for every Rs. 100 spent on online transactions.

Achieve 500 bonus Reward Points monthly by meeting a reasonable spend threshold.

The annual fee can be easily waived by achieving a specified spend target.

Pros

Key benefits and features.

Generous welcome bonus of 8,000 Reward Points upon card activation.

High reward potential with up to 50,000 milestone points per year.

Valuable no-cost EMI options available for flight and hotel bookings.

Accelerated reward points on key categories like dining and travel.

Cons

Key drawbacks and limitations.

The multi-card structure can make understanding specific benefits complex for users.

Customizable features, while flexible, often come with an additional monthly cost.

Standard foreign currency markup is high on some variants, impacting international spends.

Reward points are not earned on certain categories like fuel, insurance, and rent.

High interest rates of 3.59% per month apply if balances are carried over.

Cons

Key drawbacks and limitations.

Cashback earnings are capped per statement cycle, limiting overall savings potential.

No cashback is provided on key transaction types like fuel, rent, and wallet spends.

The card does not provide any complimentary airport lounge access.

A foreign currency markup of 3.49% applies to international spends.

Cons

Key drawbacks and limitations.

The AU Altura Plus Credit Card does not offer any complimentary airport lounge access.

Cashback on retail spends is capped at Rs. 100 per statement cycle, limiting benefits.

Fuel transactions do not earn any reward points or cashback with this card.

Cons

Key drawbacks and limitations.

High annual spend of ₹3,00,000 required for renewal fee waiver.

Monthly fuel surcharge waiver is capped at a relatively low ₹200.

Eligibility criteria are restrictive based on age and employment type.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for AU Altura Credit Card(opens in new tab)Apply for AU Altura Plus Credit Card(opens in new tab)Apply for AU Ananta Credit Card(opens in new tab)