AU Altura Credit Card VS YES Prosperity Cashback Plus Credit Card VS BOBCARD Easy Credit Card VS AU Nomo Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
AU Altura Credit Card
YES Prosperity Cashback Plus Credit Card
BOBCARD Easy Credit Card
AU Nomo Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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 a decent 0.75% cashback on all general retail spending, excluding fuel.
Benefit from a significant 5% cashback on groceries, movies, and utility bill payments.
Receive a welcome cashback of Rs. 250 on initial spends within the first 30 days.
Includes essential insurance benefits like credit shield and zero liability protection.
Offers a 1% fuel surcharge waiver for transactions between Rs. 400-5,000 monthly.
Pros
Key benefits and features.
Lifetime free joining and annual fees under limited-time offer or spend-based waivers.
High 5X reward rate on common spending categories like movies, groceries, and departmental stores.
Base reward points on all other categories and UPI spends, enhancing everyday value.
Zero liability protection for lost cards provides security and peace of mind.
Option to convert large purchases into EMIs and get free add-on cards for family.
Pros
Key benefits and features.
Low foreign currency markup charge of 0.99%, beneficial for international transactions.
Rewards are earned on insurance and utility spends, offering broader earning potential.
Offers complimentary railway lounge access (2 visits per quarter) for convenient travel.
Provides domestic airport lounge access with a reasonable spend-based criterion.
Milestone benefits are based on quarterly spending, making them achievable for users.
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.
Monthly caps on 5% cashback categories limit the total potential savings.
The card carries a joining and annual fee of Rs. 1,499 plus applicable GST.
A redemption fee of Rs. 100 is charged for every cashback redemption request.
High foreign currency markup of 3.5% makes international transactions expensive.
This credit card product has been discontinued, so new applications are not possible.
Cons
Key drawbacks and limitations.
The 5X reward points are capped at 1000 Reward Points per statement cycle on accelerated categories.
No specific travel benefits are provided with this card, limiting its utility for travelers.
High foreign currency markup of 3.5% makes international spends expensive.
High interest rates of 3.75% per month on overdue amounts can be a significant drawback.
Cons
Key drawbacks and limitations.
May not offer sufficient premium features for experienced cardholders.
Lacks specific dining or movie benefits, a drawback for younger users.
Requires a fixed deposit to be maintained for the card's tenure.