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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.
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Last updated: 18 July 2026

AU Altura Plus Credit Card and Axis Bank My Zone Easy Credit Card target different priorities — shopping versus premium. AU Altura Plus Credit Card costs ₹499 + GST and earns 1.5% cashback on POS retail (capped at ₹100/cycle); 2X RPs on online; 500 bonus RPs monthly on ₹20,000+ spend. Axis Bank My Zone Easy Credit Card costs ₹500 + GST and earns 4 Edge Reward Points on domestic spends for every Rs. 200 spent. AU Altura Plus Credit Card also brings 2 complimentary railway lounge access per calendar quarter at select stations (Kolkata, Ahmedabad, Jaipur, New Delhi, Madurai, Agra), while Axis Bank My Zone Easy Credit Card counters with assured approval for the credit card upon application. If shopping spending matters more, go with AU Altura Plus Credit Card; if premium is the priority, Axis Bank My Zone Easy Credit Card fits better.

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
Joining Fee₹500 + GST
Renewal Fee₹499 + GST
Renewal Fee₹500 + GST
Spend Based WaiverAnnual charges waived by spending Rs. 80,000 in a card anniversary year.
Spend Based Waiver
Foreign Transaction Fees3.49% on all foreign currency spends.
Foreign Transaction Fees3.5% of the total transaction amount.
Interest Rate (APR)3.59% Per Month (43.08% Per Annum).
Interest Rate (APR)3.75% Per Month (55.55% Yearly).

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Rewards Rate1.5% cashback on POS retail spends; 2 Reward Points for every Rs. 100 on online transactions.
Rewards RateEarn 4 Edge Reward Points on every ₹200 spent on domestic transactions.
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access2 complimentary railway lounge access visits every quarter at select locations.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits2 complimentary railway lounge access visits every quarter at select locations.
Travel BenefitsInstant savings up to 15% on flights & hotels via Goibibo and Makemytrip on Wednesdays.
Movie Benefits
Movie Benefits25% cashback on online and Box office movie ticket bookings. Max cashback per year is ₹1,000.
Dining Benefits
Dining BenefitsMinimum 15% discount on dining under Axis Bank’s Dining Delights program at partner restaurants.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for transactions between Rs. 400-5,000, capped at Rs. 150 per cycle.
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹4,000, max ₹400/month. GST on surcharge non-refundable.

Security & Other

Insurance BenefitsZero liability protection.
Insurance BenefitsZero liability protection against lost/stolen cards.
Cash Advance Charges2.5% of advanced amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum of ₹500.
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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 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 Axis Bank My Zone Easy Credit Card is a secured credit card issued against a fixed deposit, designed for individuals to build their credit history. It offers guaranteed approval with minimal documentation. Key benefits include 25% cashback on movie tickets, a minimum 15% discount on dining, and a 1% fuel surcharge waiver. This card is ideal for those starting their credit journey who also enjoy entertainment and dining.

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.

Enjoy guaranteed approval for the Axis Bank My Zone Easy Credit Card against a fixed deposit.

An excellent choice for individuals looking to build or improve their credit history effectively.

Significant savings with 25% cashback on movie tickets, capped at ₹1,000 annually.

Benefit from a minimum 15% discount on dining at various partner restaurants across India.

Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped monthly.

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.

Offers fewer features and benefits when compared to many unsecured credit card options.

Requires a fixed deposit as collateral, which might block a significant amount of funds.

Ambiguity regarding rewards redemption fee, which could lead to unexpected charges.

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 Plus Credit Card(opens in new tab)Apply for Axis Bank My Zone Easy Credit Card(opens in new tab)