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AU Altura Credit Card VS AU Bank LIT Credit Card VS AU Altura Plus Credit Card VS AU Spont 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
AU Altura Credit Card
AU Altura Credit Card
AU Bank LIT Credit Card
AU Bank LIT Credit Card
AU Altura Plus Credit Card
AU Altura Plus Credit Card
AU Spont Credit Card
AU Spont Credit Card

Fees & Charges

Joining Fee₹199 + GST
Joining FeeLifetime Free
Joining Fee₹499 + GST
Joining Fee₹299 + GST
Renewal Fee₹199 + GST
Renewal FeeLifetime Free
Renewal Fee₹499 + GST
Renewal Fee₹299 + GST
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 WaiverNot applicable as the card is Lifetime Free.
Spend Based WaiverAnnual charges waived by spending Rs. 80,000 in a card anniversary year.
Spend Based Waiver
Foreign Transaction Fees3.49% on all international spends.
Foreign Transaction Fees3.49%
Foreign Transaction Fees3.49% on all foreign currency spends.
Foreign Transaction Fees3.5%
Interest Rate (APR)3.49% per month.
Interest Rate (APR)3.75% Per Month (45% Per Annum)
Interest Rate (APR)3.59% Per Month (43.08% Per Annum).
Interest Rate (APR)3.75% Per Month (45% Per Annum)

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Welcome Bonus
Welcome BonusEarn 500 coins on the first transaction made via the AU 0101 App.
Rewards RateEarn 2% cashback on utility bills, groceries, and departmental stores, and 1% on all other spends.
Rewards Rate1 Reward Point for every ₹100 spent on retail transactions. Paid features offer 5x/10x points.
Rewards Rate1.5% cashback on POS retail spends; 2 Reward Points for every Rs. 100 on online transactions.
Rewards RateEarn 1% cashback on UPI, eComm, POS & contactless spends (max ₹500/month); 5 coins/UPI transaction via AU 0101 App.
Reward TypeCashback
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST
Reward Redemption FeeNil
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access2 complimentary visits to selected railway lounges in India per quarter.
Domestic Lounge Access1 complimentary airport lounge access every quarter (paid feature, ₹399 for 90 days).
Domestic Lounge Access2 complimentary railway lounge access visits every quarter at select locations.
Domestic Lounge Access2 complimentary visits each quarter upon spending ₹50,000 in a calendar quarter.
International Lounge Access
International Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
2 complimentary visits to selected railway lounges in India per quarter. Lounge facilities available at Kolkata, Ahmedabad, Jaipur, Agra, and Madurai.
Travel BenefitsRedeem points for flights, hotels, buses. Paid domestic lounge access.
Travel Benefits2 complimentary railway lounge access visits every quarter at select locations.
Travel Benefits2 domestic airport lounge visits/quarter on ₹50k spend; 2 complimentary railway lounge visits/quarter.
Movie Benefits
Movie BenefitsRedeem points for movie tickets. Paid 3 Months Zee5 Membership.
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf BenefitsBook Golf sessions at golf courses across India (via redemption).
Golf Benefits
Golf Benefits
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 on fuel transactions between ₹400-₹5,000 (paid feature, ₹49 for 90 days).
Fuel Surcharge Waiver1% waiver for transactions between Rs. 400-5,000, capped at Rs. 150 per cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5000.

Security & Other

Insurance BenefitsZero liability protection against a lost card.
Insurance Benefits
Insurance BenefitsZero liability protection.
Insurance Benefits
Cash Advance ChargesRs. 100 or 2.5% of the cash amount withdrawn, whichever is higher.
Cash Advance Charges2.5% or ₹500, whichever is higher.
Cash Advance Charges2.5% of advanced amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of the withdrawn amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Altura Credit Card

AU Bank LIT Credit Card

AU Altura Plus Credit Card

AU Spont Credit Card

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 Bank LIT Credit Card is India's first customizable credit card, offering unparalleled flexibility to choose and pay for specific features like accelerated rewards, cashback, and memberships. It's a Lifetime Free card, eliminating annual fees and allowing users to tailor their benefits via the AU 0101 App. Ideal for individuals who seek control over their credit card experience and prefer not to pay for unused perks, it covers a wide range of lifestyle and spending needs.

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 Spont Credit Card is an entry-level offering from AU Bank, designed for individuals seeking a credit card primarily for small payments and UPI transactions. It stands out by offering a 1% cashback on all UPI spends and providing complimentary access to both domestic airport and railway lounges. This card is particularly suitable for those looking for their first credit card, given its low joining fee and accessible eligibility criteria.

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.

Highly customizable, allowing users to select and pay for desired features.

Lifetime Free status eliminates annual fees, saving costs on unused benefits.

Offers diverse paid features like accelerated rewards, cashback, and memberships.

Flexibility to activate/deactivate benefits via the AU 0101 App as per need.

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.

Offers free access to domestic airport and railway lounges across India, a significant perk for an entry-level card.

Earn 5 AU 0101 App coins per UPI transaction, plus 500 bonus coins on your first transaction.

Low joining and renewal fees make the AU Spont Card an accessible choice for new cardholders.

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.

Users must pay for most premium benefits, increasing overall cost if many are chosen.

Requires active management via app to select/deactivate features and avoid auto-renewal.

Penalty fees apply for not meeting spend targets for certain paid memberships.

Unused lounge access and other paid features expire, cannot be carried forward.

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.

Cashback is capped at ₹500 per month, requiring high spends to maximize benefits.

The AU Spont Credit Card does not offer international airport lounge access.

Movie and dining benefits are not applicable with the AU Spont Credit Card.

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 Bank LIT Credit Card(opens in new tab)Apply for AU Altura Plus Credit Card(opens in new tab)Apply for AU Spont Credit Card(opens in new tab)