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AU Altura Credit Card VS AU Spont Credit Card VS Axis Bank Freecharge Credit Card

A detailed, side-by-side look at 3 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

Comparing 3 cards side by side: AU Altura Credit Card, AU Spont Credit Card, Axis Bank Freecharge Credit Card. AU Altura Credit Card costs ₹199 + GST and earns 2% cashback on select retail spends (max ₹50/cycle), 1% on other retail spends (max ₹50/cycle). AU Spont Credit Card costs ₹299 + GST and earns 1% Cashback on all UPI, eComm, POS, and Contactless transactions, capped at ₹500 per cycle. Axis Bank Freecharge Credit Card costs ₹250 + GST and earns 5% cashback on Freecharge spends, 2% on local commute, 1% on all other spends. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.

AU Altura Credit Card
AU Altura Credit Card
AU Spont Credit Card
AU Spont Credit Card
Axis Bank Freecharge Credit Card
Axis Bank Freecharge Credit Card

Fees & Charges

Joining Fee₹199 + GST
Joining Fee₹299 + GST
Joining Fee₹250 + GST
Renewal Fee₹199 + GST
Renewal Fee₹299 + GST
Renewal Fee₹250 + 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 Waiver
Spend Based WaiverAnnual fee waived off on spending ₹50,000 or more in the previous year/anniversary year.
Foreign Transaction Fees3.49% on all international spends.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5% of the transacted amount.
Interest Rate (APR)3.49% per month.
Interest Rate (APR)3.75% Per Month (45% Per Annum)
Interest Rate (APR)3.6% per month.

Rewards & Benefits

Welcome Bonus
Welcome BonusEarn 500 coins on the first transaction made via the AU 0101 App.
Welcome BonusWelcome gift vouchers worth up to ₹700.
Rewards RateEarn 2% cashback on utility bills, groceries, and departmental stores, and 1% on all other spends.
Rewards RateEarn 1% cashback on UPI, eComm, POS & contactless spends (max ₹500/month); 5 coins/UPI transaction via AU 0101 App.
Rewards Rate5% cashback on Freecharge app spends; 1% cashback on all other spends.
Reward TypeCashback
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback
Reward Redemption FeeNil
Reward Redemption Fee
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access2 complimentary visits to selected railway lounges in India per quarter.
Domestic Lounge Access2 complimentary visits each quarter upon spending ₹50,000 in a calendar quarter.
Domestic 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 Benefits2 domestic airport lounge visits/quarter on ₹50k spend; 2 complimentary railway lounge visits/quarter.
Travel BenefitsUp to ₹100 credit every month on Shuttl; Up to ₹150 off every month on Shuttl.
Movie Benefits
Movie Benefits
Movie Benefits50% off on an annual subscription on Eros Now.
Dining Benefits
Dining Benefits
Dining BenefitsUp to ₹100 credit every month on the Fresh menu.
Golf Benefits
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% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5000.
Fuel Surcharge Waiver1% fuel surcharge waived for transactions between ₹400 and ₹4,000.

Security & Other

Insurance BenefitsZero liability protection against a lost card.
Insurance Benefits
Insurance Benefits
Cash Advance ChargesRs. 100 or 2.5% of the cash amount withdrawn, whichever is higher.
Cash Advance Charges2.5% of the withdrawn amount or ₹500, whichever is higher.
Cash Advance Charges3.5% of amount withdrawn or ₹250 (whichever is higher).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Altura Credit Card

AU Spont Credit Card

Axis Bank Freecharge 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 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.

Who is it for?

The Axis Bank Freecharge Credit Card was an entry-level card designed for frequent Freecharge app users, offering 5% cashback on Freecharge spends and 1% on others. Despite its discontinuation, it was valued for its low fees and decent benefits, particularly for utility bill payments and mobile recharges. It provided an instant virtual card and exclusive rewards, making it suitable for individuals seeking affordable benefits focused on digital transactions.

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.

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.

Pros

Key benefits and features.

Enjoy low joining and annual fees, making it an affordable credit card option.

Offers decent benefits, especially for frequent users of the Freecharge app.

Earn exclusive Edge Reward Points with a wide variety of redemption options.

Get an instant virtual credit card via the Freecharge app, with physical card option.

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.

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.

Cons

Key drawbacks and limitations.

The card's benefits are not as diverse compared to other credit cards in the market.

Lacks complimentary airport lounge access, both domestic and international.

This credit card has been discontinued, limiting new applications.

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 Spont Credit Card(opens in new tab)Apply for Axis Bank Freecharge Credit Card(opens in new tab)