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AU Altura Plus Credit Card VS HDFC Bank Titanium Times 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

Both AU Altura Plus Credit Card and HDFC Bank Titanium Times 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 (capped at ₹100/cycle); 2X RPs on online; 500 bonus RPs monthly on ₹20,000+ spend. HDFC Bank Titanium Times Credit Card is lifetime-free and earns 2 Reward Points per ₹150 on retail, 5 RPs per ₹150 on weekday dining transactions. 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 HDFC Bank Titanium Times Credit Card counters with complimentary Times Prime Membership (worth ₹999) & e-vouchers worth ₹5,000 on activation. If shopping spending matters more, go with AU Altura Plus Credit Card; if dining is the priority, HDFC Bank Titanium Times Credit Card fits better.

AU Altura Plus Credit Card
AU Altura Plus Credit Card
HDFC Bank Titanium Times Credit Card
HDFC Bank Titanium Times Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining FeeFree (1st year)
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 WaiverRenewal fee waived off on spending ₹1,50,000 or more within an anniversary year.
Foreign Transaction Fees3.49% on all foreign currency spends.
Foreign Transaction Fees3.5% of transaction amount plus applicable taxes on international spends.
Interest Rate (APR)3.59% Per Month (43.08% Per Annum).
Interest Rate (APR)Applicable interest rate of 3.6% per month or 43.2% per annum.

Rewards & Benefits

Welcome Bonus
Welcome BonusComplimentary Times Prime Membership (worth ₹999) & e-vouchers worth ₹5,000 on activation.
Rewards Rate1.5% cashback on POS retail spends; 2 Reward Points for every Rs. 100 on online transactions.
Rewards RateEarn 2 Reward Points per ₹150 on retail, 5 RPs per ₹150 on weekday dining transactions.
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeA fee of ₹99 plus applicable taxes is charged per reward redemption request.

Travel & Lifestyle

Domestic Lounge Access2 complimentary railway lounge access visits every quarter at select locations.
Domestic Lounge AccessNot Applicable. This card does not offer any domestic airport lounge access benefits.
International Lounge Access
International Lounge AccessNot Applicable. This card does not offer any international airport lounge access benefits.
Travel Benefits2 complimentary railway lounge access visits every quarter at select locations.
Travel BenefitsNot Applicable. No specific travel benefits are provided with this card.
Movie Benefits
Movie BenefitsEnjoy 25% off on movie tickets (up to ₹350/transaction, 4 tickets/month) via BookMyShow.
Dining Benefits
Dining BenefitsEarn 5 RPs on ₹150 weekday dining, complimentary 6 months EazyDiner Prime, up to 35% off via Dineout.
Golf Benefits
Golf BenefitsNot Applicable. No golf benefits or privileges are provided with this card.
Fuel Surcharge Waiver1% waiver for transactions between Rs. 400-5,000, capped at Rs. 150 per cycle.
Fuel Surcharge Waiver1% waiver on fuel transactions (₹400-₹4,000), capped at ₹250 per statement cycle.

Security & Other

Insurance BenefitsZero liability protection.
Insurance BenefitsNot Applicable. No specific insurance cover or benefits are included with this card.
Cash Advance Charges2.5% of advanced amount or ₹500, whichever is higher.
Cash Advance ChargesCharges are 2.50% of the amount withdrawn or ₹500, whichever value is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Altura Plus Credit Card

HDFC Bank Titanium Times 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 HDFC Bank Titanium Times Credit Card is an excellent choice for individuals whose spending habits predominantly include movies and dining. It offers substantial benefits in these categories, such as a 25% discount on movie tickets and accelerated reward points on weekday dining. A key highlight is the complimentary Times Prime annual membership, adding significant value. Despite being an entry-level card, its strong focus on entertainment and dining makes it highly competitive.

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.

Excellent benefits for movie buffs with 25% off on movie tickets via BookMyShow.

Accelerated reward points on dining spends, especially on weekdays for food enthusiasts.

Includes a valuable complimentary Times Prime annual membership and e-vouchers.

Low annual fee of ₹500, easily waived by meeting a reasonable spend of ₹1.5 lakhs.

Additional cashback offers on utility bills and shopping via SmartPay/SmartBuy.

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.

Lacks any domestic or international airport lounge access benefits for frequent travelers.

Does not provide any specific golf or comprehensive travel-related privileges at all.

Reward points have significant caps on categories like fuel, utility, grocery, and insurance.

A reward redemption fee of ₹99 plus taxes is charged for each redemption request.

High foreign currency markup of 3.5% makes it unsuitable for international transactions.

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.
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