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AU Altura Plus Credit Card VS Flipkart Axis Bank Credit Card VS RBL Bank Novio Credit Card

A detailed, side-by-side look at 3 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
Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card
RBL Bank Novio Credit Card
RBL Bank Novio Credit Card

Fees & Charges

Joining Fee
₹499 + GST
₹500 + GST
₹500 + GST
Renewal Fee
₹499 + GST
₹500 + 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.
Annual fee waived on annual spends exceeding Rs. 3,50,000.
Not applicable
Foreign Transaction Fees
3.49% on all foreign currency spends.
3.5% of transaction value; 1.5% for DCC.
3.5%
Interest Rate (APR)
3.59% Per Month (43.08% Per Annum).
3.75% per month (55.55% per annum).
3.99% per month (equivalent to 47.88% annually)

Rewards & Benefits

Welcome Bonus
Rs. 350 worth of activation benefits including a Rs. 250 Flipkart voucher & Rs. 100 Swiggy discount.
Receive 2,000 Reward Points when you make purchases of ₹5,000 within 30 days of card issuance.
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 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others.
Earn 2 Reward Points for every ₹100 spent on all online transactions. Earn 1 Reward Point for every ₹100 spent on all other (offline) transactions.
Reward Type
Reward Points and Cashback
Cashback
Reward Points
Reward Redemption Fee
Nil
No charges for cashback redemption.
₹99 + GST

Travel & Lifestyle

Domestic Lounge Access
2 complimentary railway lounge access per calendar quarter at select stations (Kolkata, Ahmedabad, Jaipur, New Delhi, Madurai, Agra).
Not offered as of 20th June 2025.
Not applicable
International Lounge Access
Not Applicable
Not offered as of 20th June 2025.
Not applicable
Travel Benefits
Enjoy 2 complimentary railway lounge access per calendar quarter at select stations.
4% cashback on Uber, up to 15% off on MakeMyTrip flights/hotels & 5% cashback on Cleartrip.
Not applicable
Movie Benefits
Not Applicable
Unlimited 4% cashback on PVR movie ticket bookings.
Not applicable
Dining Benefits
Not Applicable
15% off up to Rs. 500 at 10,000+ partner restaurants & 4% cashback on Swiggy food orders.
Not applicable
Golf Benefits
Not Applicable
Not Applicable
Not applicable
Fuel Surcharge Waiver
1% waiver for transactions ₹400-₹5,000, capped at ₹150 per statement cycle.
1% waiver on fuel spends (Rs. 400-Rs. 4000), max Rs. 400/month.
1% or ₹10, whichever is higher

Security & Other

Insurance Benefits
Zero liability protection against fraudulent transactions and free insurance with extended warranty on mobile/electronic purchases.
None explicitly offered.
Not applicable
Cash Advance Charges
2.5% or ₹500, whichever is higher.
2.5% of amount (minimum Rs. 500).
2.5% of the cash amount, with a minimum charge of ₹500
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Altura Plus Credit Card

Flipkart Axis Bank Credit Card

RBL Bank Novio 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 Flipkart Axis Bank Credit Card is an excellent choice for online shoppers, providing significant cashback on Flipkart, Myntra, and Cleartrip. It also offers accelerated rewards on popular platforms like Swiggy, Uber, PVR, and cult.fit, making it versatile for various digital spends. Cardholders also enjoy dining benefits. The cashback is directly credited to the statement, ensuring straightforward value.

Who is it for?

The RBL Bank Novio Credit Card is an affordable RuPay Select card with a ₹500 + GST annual fee. It offers 2x rewards on online spending and milestone benefits, making it ideal for digital transactions and everyday use. With UPI compatibility, it's a great choice for first-time cardholders seeking simple rewards for domestic spending.

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.

Offers high cashback rates on major e-commerce platforms like Flipkart and Myntra.

Cashback is directly credited to your statement, simplifying the redemption process.

Enjoy unlimited cashback on preferred partners and most other eligible card spends.

Access exclusive dining benefits and discounts with the Axis Bank Dining Delights program.

Provides a beneficial 1% fuel surcharge waiver at all stations across India.

Pros

Key benefits and features.

Offers 2x rewards on online spending, making it highly beneficial for digital transactions.

Provides Annual Milestone Benefits, offering bonus points for reaching spending targets each year.

Positioned as an affordable option with a low annual fee, making it accessible for many users.

Compatibility with UPI and RuPay Select network enhances convenience for domestic use.

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.

Offers relatively low 1% cashback on most offline shopping and general spends.

The card currently does not provide any complimentary insurance benefits to cardholders.

High annual spend of Rs. 3,50,000 required to waive off the annual renewal fee.

Welcome benefits for new cardholders have seen a reduction from previous offers.

Reports suggest some users face challenges with voucher redemption and card cancellations.

Cons

Key drawbacks and limitations.

Lacks additional Lifestyle Perks or Discounts, limiting broader utility for cardholders.

As a RuPay card, it may have limited international acceptance compared to major networks.

Rewards cannot be earned on fuel, education, insurance, and government services transactions.

A rewards redemption fee of ₹99 + GST is applicable when redeeming accumulated reward points.

Ready to Choose?

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