Skip to main content

AU Altura Plus Credit Card VS Axis Bank Neo 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.
Verified
Last updated: 18 July 2026

Both AU Altura Plus Credit Card and Axis Bank Neo Credit Card suit shopping-focused spenders, but they earn and cost differently. AU Altura Plus Credit Card costs ₹499 + GST and earns 1.5% cashback on POS retail spends; 2 Reward Points for every Rs. 100 on online transactions. Axis Bank Neo Credit Card costs ₹250 + GST and earns 1 EDGE REWARD Point for every ₹200 spent on all eligible transactions (Reward Rate 0.10%). AU Altura Plus Credit Card also brings 2 complimentary railway lounge access visits every quarter at select locations, while Axis Bank Neo Credit Card counters with 100% cashback up to ₹300 on the first utility bill payment made on Paytm within 30 days of card setup. If travel spending matters more, go with AU Altura Plus Credit Card; if dining is the priority, Axis Bank Neo Credit Card fits better.

AU Altura Plus Credit Card
AU Altura Plus Credit Card
Axis Bank Neo Credit Card
Axis Bank Neo Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹250 + GST
Renewal Fee₹499 + GST
Renewal Fee₹250 + 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 Fees3.50% of the transaction value
Interest Rate (APR)3.59% Per Month (43.08% Per Annum).
Interest Rate (APR)3.75% per month (55.55% per annum)

Rewards & Benefits

Welcome Bonus
Welcome Bonus100% cashback up to ₹300 on the first utility bill payment made on Paytm within 30 days of card setup.
Rewards Rate1.5% cashback on POS retail spends; 2 Reward Points for every Rs. 100 on online transactions.
Rewards RateEarn 1 EDGE REWARD Point for every ₹200 spent on all eligible transactions (Reward Rate 0.10%).
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST

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 BenefitsUp to 7% off on flights & 18% off on hotels via Cleartrip; up to 15% off on MakeMyTrip.
Movie Benefits
Movie BenefitsAvail 10% off on movie ticket bookings via BookMyShow, with a maximum discount of ₹100 per month.
Dining Benefits
Dining BenefitsGet ₹120 off on Zomato orders twice monthly & 15% discount at select 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% fuel surcharge waiver at all petrol pumps across India on transactions between ₹400 – ₹4,000, capped at ₹400 per month.

Security & Other

Insurance BenefitsZero liability protection.
Insurance Benefits
Cash Advance Charges2.5% of advanced amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of the withdrawn amount, subject to a minimum of ₹500.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Altura Plus Credit Card

Axis Bank Neo 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 Neo Credit Card is an entry-level credit card from Axis Bank, designed for individuals looking to build their credit history while enjoying savings on everyday online spending. It stands out with its focus on providing discounts across popular brands like BookMyShow, Blinkit, Zomato, and Paytm, along with rotating monthly offers. Additionally, it offers a 1% fuel surcharge waiver and is available in a RuPay variant, enabling UPI payments. This card is best suited for first-time users seeking value through brand-specific discounts on daily expenses rather than high reward rates or premium perks.

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 significant discounts on popular online platforms like Zomato, Blinkit, and BookMyShow.

Available in RuPay variant, enabling convenient UPI payments for daily transactions.

Provides a 1% fuel surcharge waiver, saving money on fuel expenses monthly.

Ideal for first-time credit card users to build credit history with essential benefits.

Includes exclusive dining discounts and limited-period offers on travel and shopping.

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.

Features a very low reward rate of just 0.10%, limiting overall earnings.

Does not offer premium benefits like airport lounge access or insurance coverage.

Reward points are not earned on essential spends like fuel, utilities, and rent.

High foreign currency markup of 3.50% makes international spends expensive.

High finance charges of 3.75% per month if balances are not paid in full.

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 Neo Credit Card(opens in new tab)