AU Altura Plus Credit Card VS Flipkart Axis Bank Credit Card VS RBL Bank Novio Credit Card
Comparing 3 cards side by side: AU Altura Plus Credit Card, Flipkart Axis Bank Credit Card, RBL Bank Novio Credit Card. 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. Flipkart Axis Bank Credit Card costs ₹500 + GST and earns 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others. RBL Bank Novio Credit Card costs ₹500 + GST and earns 2 Reward Points for every ₹100 spent on all online transactions. Earn 1 Reward Point for every ₹100 spent on all other (offline) transactions. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
AU Altura Plus Credit Card
Flipkart Axis Bank Credit Card
RBL Bank Novio Credit Card
Who is it for?
Who is it for?
Who is it for?
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.
Very good reward rate of 5% on all eligible spends on Flipkart and Cleartrip.
High reward rate of 7.5% on Myntra, making it ideal for fashion shopping.
Good reward rate of 4% on partner merchants like Swiggy, Uber, PVR, FitPass.
Cashback is directly adjusted against the card’s statement balance every month, simplifying redemption.
No upper limit on cashback for most categories, providing significant savings potential.
Pros
Key benefits and features.
The RBL Bank Novio Credit Card offers 2x rewards on all online spending.
Cardholders can earn valuable annual milestone benefits for bonus points.
It is a budget-friendly credit card option with a low annual fee.
The RBL Bank Novio Credit Card supports UPI payments for added convenience.
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.
Not the best choice for offline shopping, offering only 1% cashback on such spends.
Does not offer any insurance benefits, such as air accident cover or luggage cover.
No complimentary airport lounge access, limiting travel perks for cardholders.
New fees on rent, education, utilities, and wallet loads from late 2024.
Cons
Key drawbacks and limitations.
The RBL Bank Novio Credit Card lacks additional lifestyle perks or discounts.
Limited international acceptance compared to major networks like Visa or MasterCard.
A rewards redemption fee of ₹99 + GST is applicable, reducing the net value of points.