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AU Altura Plus Credit Card VS ICICI Bank Coral 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

AU Altura Plus Credit Card and ICICI Bank Coral Credit Card target different priorities — shopping versus movies. 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. ICICI Bank Coral Credit Card costs ₹500 + GST and earns 2 RP/₹100 on retail, 1 RP/₹100 on utilities/insurance. Up to 12x RP on iShop. 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 ICICI Bank Coral Credit Card counters with 1 complimentary domestic airport lounge access per quarter on ₹75,000 spend in preceding quarter. If shopping spending matters more, go with AU Altura Plus Credit Card; if movies is the priority, ICICI Bank Coral Credit Card fits better.

AU Altura Plus Credit Card
AU Altura Plus Credit Card
ICICI Bank Coral Credit Card
ICICI Bank Coral Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹500 + GST
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 WaiverAnnual fee waived on spending ₹1.5 lakh or more in the previous anniversary year.
Foreign Transaction Fees3.49% on all foreign currency spends.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.59% Per Month (43.08% Per Annum).
Interest Rate (APR)3.75% per month (45% per annum) for ATM withdrawals and minimum due payments.

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Rewards Rate1.5% cashback on POS retail spends; 2 Reward Points for every Rs. 100 on online transactions.
Rewards RateEarn 2 Reward Points per ₹100 on retail (excl. fuel); 1 RP per ₹100 on utilities & insurance.
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 Access1 complimentary access to select domestic airport lounges every quarter with ₹75k spend in prior quarter.
International Lounge Access
International Lounge Access
Travel Benefits2 complimentary railway lounge access visits every quarter at select locations.
Travel Benefits1 complimentary domestic airport lounge access and 1 railway lounge access every quarter.
Movie Benefits
Movie Benefits25% off (up to ₹100) on 2 movie tickets on BookMyShow/INOX, twice monthly, with ₹25k spend in prev. quarter.
Dining Benefits
Dining Benefits15% or more discount on dining bills at over 2,500 partner restaurants via Culinary Treats Programme.
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 HPCL stations for transactions between ₹400 and ₹4,000.

Security & Other

Insurance BenefitsZero liability protection.
Insurance BenefitsPersonal accident insurance cover of ₹2 Lakh on RuPay variant.
Cash Advance Charges2.5% of advanced amount or ₹500, whichever is higher.
Cash Advance Charges2.5% or a minimum of ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Altura Plus Credit Card

ICICI Bank Coral 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 ICICI Bank Coral Credit Card is a popular entry-level offering providing exclusive rewards and offers across dining, entertainment, and travel. Cardholders can earn up to 2 Reward Points per ₹100 spent and benefit from complimentary domestic airport and railway lounge access quarterly. It's an excellent choice for individuals who frequently spend on movies and dining, offering significant savings and milestone benefits. The card also features a 1% fuel surcharge waiver and an annual fee waiver based on spending, making it a well-rounded option for everyday use.

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 valuable complimentary railway lounge access without any spend criteria.

Provides significant savings on movie tickets with up to 25% discount twice monthly.

Attractive milestone benefits allow earning up to 10,000 bonus Reward Points annually.

Includes a 1% fuel surcharge waiver and exclusive dining discounts at partner restaurants.

Annual fee can be easily waived by meeting a reasonable spend threshold of ₹1.5 lakh.

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.

Lounge access and movie benefits are subject to specific quarterly spend conditions.

The card does not offer any welcome benefits for new cardholders.

Rewards redemption incurs a fee of ₹99 + GST, reducing overall value.

High foreign currency markup of 3.5% makes international spends less rewarding.

Movie cashback offers on the Amex variant have been revoked from Jan 2025.

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 ICICI Bank Coral Credit Card(opens in new tab)