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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.

Features

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
Nil
Renewal Fee
₹499 + 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.
Renewal fee waived off on spending ₹1,50,000 or more within an anniversary year.
Foreign Transaction Fees
3.49% on all foreign currency spends.
3.5% of transaction amount plus applicable taxes on international spends.
Interest Rate (APR)
3.59% Per Month (43.08% Per Annum).
Applicable interest rate of 3.6% per month or 43.2% per annum.

Rewards & Benefits

Welcome Bonus
Complimentary Times Prime Membership (worth ₹999) & e-vouchers worth ₹5,000 on activation.
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 2 Reward Points per ₹150 on retail, 5 RPs per ₹150 on weekday dining transactions.
Reward Type
Reward Points and Cashback
Reward Points
Reward Redemption Fee
Nil
A fee of ₹99 plus applicable taxes is charged per reward redemption request.

Travel & Lifestyle

Domestic Lounge Access
2 complimentary railway lounge access per calendar quarter at select stations (Kolkata, Ahmedabad, Jaipur, New Delhi, Madurai, Agra).
Not Applicable. This card does not offer any domestic airport lounge access benefits.
International Lounge Access
Not Applicable
Not Applicable. This card does not offer any international airport lounge access benefits.
Travel Benefits
Enjoy 2 complimentary railway lounge access per calendar quarter at select stations.
Not Applicable. No specific travel benefits are provided with this card.
Movie Benefits
Not Applicable
Enjoy 25% off on movie tickets (up to ₹350/transaction, 4 tickets/month) via BookMyShow.
Dining Benefits
Not Applicable
Earn 5 RPs on ₹150 weekday dining, complimentary 6 months EazyDiner Prime, up to 35% off via Dineout.
Golf Benefits
Not Applicable
Not Applicable. No golf benefits or privileges are provided with this card.
Fuel Surcharge Waiver
1% waiver for transactions ₹400-₹5,000, capped at ₹150 per statement cycle.
1% waiver on fuel transactions (₹400-₹4,000), capped at ₹250 per statement cycle.

Security & Other

Insurance Benefits
Zero liability protection against fraudulent transactions and free insurance with extended warranty on mobile/electronic purchases.
Not Applicable. No specific insurance cover or benefits are included with this card.
Cash Advance Charges
2.5% or ₹500, whichever is higher.
Charges are 2.50% of the amount withdrawn or ₹500, whichever value is higher.
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 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 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 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.

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 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.

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.

Ready to Choose?

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