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

Fees & Charges

Joining Fee₹900 + GST
Joining Fee₹199 + GST
Joining Fee₹499 + GST
Joining FeeLifetime Free
Renewal Fee₹900 + GST
Renewal Fee₹199 + GST
Renewal Fee₹499 + GST
Renewal FeeLifetime Free
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 WaiverNot applicable as the card is lifetime free.
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 Fees3.49% of the transaction amount
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)3.59% per month (equivalent to 43.08% annually)

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 Bonus
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 Rate1% direct cashback on UPI transactions, max Rs. 100 per cycle.
Reward TypeReward Points, Cashback
Reward TypeCashback
Reward TypeReward Points, Cashback
Reward TypeCashback
Reward Redemption FeeNil
Reward Redemption FeeNil
Reward Redemption FeeNil
Reward Redemption FeeNot applicable

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 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 Benefits
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 Benefits1% cashback on UPI spends made on dining.
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% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000, max Rs. 100 per 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 Benefits
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 ChargesNot applicable
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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 Bank InstaPay 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 AU Bank InstaPay Credit Card is a lifetime free, entry-level virtual credit card designed for individuals looking to begin their credit journey or for existing cardholders seeking instant cashback on UPI transactions. It offers 1% cashback on eligible UPI spends and has no joining or annual fees. Its virtual nature provides significant convenience, allowing users to make fast, secure, and easy transactions directly from their smartphone without needing to carry a physical card. It's an excellent beginner's card, particularly for first-time users and those who frequently use UPI.

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.

Lifetime free credit card with no joining or annual charges.

Offers convenience as a virtual credit card for seamless payments.

Provides cashback on UPI spends across various essential categories.

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.

The card's utility is primarily limited to UPI transactions.

It does not offer welcome benefits or complimentary lounge access.

The 1% cashback rate is modest compared to other market offerings.

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 Bank InstaPay Credit Card(opens in new tab)