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AU Altura Plus Credit Card VS Axis Bank My Zone Easy Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

AU Altura Plus Credit Card
AU Altura Plus Credit Card
Axis Bank My Zone Easy Credit Card
Axis Bank My Zone Easy Credit Card

Fees & Charges

Joining Fee
₹499 + GST
₹500 + GST
Renewal Fee
₹499 + GST
₹500 + GST
Spend Based Waiver
1st year fee waiver on ₹20,000 retail spends in 90 days; 2nd year onwards on ₹80,000 retail spends.
Not applicable.
Foreign Transaction Fees
3.49% on all foreign currency spends.
3.5% of the total transaction amount.
Interest Rate (APR)
3.59% Per Month (43.08% Per Annum).
3.75% per month (55.55% yearly) on outstanding balances. Free credit up to 50 days.

Rewards & Benefits

Welcome Bonus
Assured approval for the credit card upon application.
Rewards Rate
Earn 1.5% cashback on POS retail (capped at ₹100/cycle); 2X RPs on online; 500 bonus RPs monthly on ₹20,000+ spend.
Earn 4 Edge Reward Points on domestic spends for every Rs. 200 spent.
Reward Type
Reward Points and Cashback
Reward Points
Reward Redemption Fee
Nil
Nil

Travel & Lifestyle

Domestic Lounge Access
2 complimentary railway lounge access per calendar quarter at select stations (Kolkata, Ahmedabad, Jaipur, New Delhi, Madurai, Agra).
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Enjoy 2 complimentary railway lounge access per calendar quarter at select stations.
Not Applicable
Movie Benefits
Not Applicable
Get 25% cashback on online and box office movie ticket purchases all week. Capped at Rs. 1,000 annually.
Dining Benefits
Not Applicable
Minimum of 15% off at partner restaurants in India with Axis Bank Dining Delights.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver for transactions ₹400-₹5,000, capped at ₹150 per statement cycle.
1% waiver on fuel transactions (Rs. 400-Rs. 4,000), capped at Rs. 400 per cycle.

Security & Other

Insurance Benefits
Zero liability protection against fraudulent transactions and free insurance with extended warranty on mobile/electronic purchases.
Not Applicable
Cash Advance Charges
2.5% or ₹500, whichever is higher.
2.5% of withdrawn amount, minimum Rs. 500.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Altura Plus Credit Card

Axis Bank My Zone Easy Credit Card

Who is it for?

The AU Small Finance Bank Altura Plus Credit Card is an enhanced offering that provides substantial benefits for everyday spending. It features 1.5% cashback on POS retail and 2X reward points on online transactions, along with monthly bonus reward points. Cardholders also enjoy complimentary railway lounge access, a spend-based fee waiver, and robust fraud protection, making it an affordable yet feature-rich option for a primary credit card. It’s particularly well-suited for shopping.

Who is it for?

The Axis Bank My Zone Easy Credit Card is a secured offering against a fixed deposit, designed for individuals to build their credit history with guaranteed approval. It provides substantial benefits like 25% cashback on movie tickets, 15% dining discounts, and a 1% fuel surcharge waiver. This card is an excellent choice for new-to-credit users looking for a secure way to establish a strong financial foundation.

Pros

Key benefits and features.

Enjoy 2 complimentary railway lounge access per quarter at various stations.

The Altura Plus card offers attractive cashback and reward points benefits.

Opportunity to earn up to 6,000 bonus Reward Points monthly via milestone.

Benefit from a convenient spend-based waiver for both joining and renewal fees.

Zero liability protection against fraudulent transactions ensures secure usage.

Pros

Key benefits and features.

Guaranteed approval and minimal documentation make it accessible for credit building.

Excellent for new-to-credit users to establish a strong credit score effectively.

Enjoy significant savings with 25% cashback on movies and 15% off on dining.

Benefit from a 1% fuel surcharge waiver and up to 50 days interest-free credit.

Cons

Key drawbacks and limitations.

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

Cashback on POS retail spends is capped at a low ₹100 per cycle.

High foreign currency markup of 3.49% makes international spends costly.

No specific welcome benefits are detailed upon joining the credit card.

Certain categories like fuel, rent, and education do not earn reward points.

Cons

Key drawbacks and limitations.

Requires a fixed deposit of Rs. 20,000 or more with Axis Bank.

Benefits are fewer compared to unsecured credit cards available in the market.

Interest rates are high if balances are not paid in full by the due date.

Rewards points are not earned on fuel or movie offer transactions where cashback is availed.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.