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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.

Features

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
₹500 + GST
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.
Annual fee waiver on spending ₹1.5 lakh in the preceding year.
Foreign Transaction Fees
3.49% on all foreign currency spends.
3.5% of the transaction amount.
Interest Rate (APR)
3.59% Per Month (43.08% Per Annum).
3.75% per month (45% p.a.) on outstanding balance and cash advances.

Rewards & Benefits

Welcome Bonus
No specific welcome benefits are offered with the paid Coral variant.
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 RP/₹100 on retail, 1 RP/₹100 on utilities/insurance. Up to 12x RP on iShop.
Reward Type
Reward Points and Cashback
Reward Points
Reward Redemption Fee
Nil
₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge Access
2 complimentary railway lounge access per calendar quarter at select stations (Kolkata, Ahmedabad, Jaipur, New Delhi, Madurai, Agra).
1 complimentary domestic airport lounge access per quarter on ₹75,000 spend in preceding quarter.
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Enjoy 2 complimentary railway lounge access per calendar quarter at select stations.
Complimentary domestic airport lounge access (spend-based) & railway lounge access every quarter.
Movie Benefits
Not Applicable
25% discount, up to ₹100, on movie tickets via BookMyShow and INOX (twice a month, min 2 tickets).
Dining Benefits
Not Applicable
Up to 15% discount on dining at 2,500+ restaurants via ICICI Bank Culinary Treats Programme.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver for transactions ₹400-₹5,000, capped at ₹150 per statement cycle.
1% fuel surcharge waiver on HPCL (₹400-₹4,000) using ICICI swipe machine.

Security & Other

Insurance Benefits
Zero liability protection against fraudulent transactions and free insurance with extended warranty on mobile/electronic purchases.
₹2 lakh Personal Accident Insurance (RuPay), Counterfeit Card Liability, and Account Takeover Cover.
Cash Advance Charges
2.5% or ₹500, whichever is higher.
2.5% of transaction amount or ₹500 minimum (whichever is higher).
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 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 ICICI Bank Coral Credit Card is a versatile card offering exclusive rewards on dining, entertainment, and travel. It provides complimentary domestic and railway lounge access, along with attractive discounts on movie tickets and dining bills. With robust insurance benefits for the RuPay variant, milestone rewards, and a manageable annual fee waiver, it's an excellent choice for everyday and on-the-go spends, ensuring a rewarding experience.

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.

Enjoy complimentary railway lounge access every quarter without spend criteria.

RuPay variant offers seamless UPI linking for convenient everyday payments.

Access complimentary domestic airport lounges with a reasonable quarterly spend.

Significant discounts available on movie tickets and dining bills.

Benefit from milestone reward points, increasing overall card value.

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.

No specific welcome benefits are provided with the paid Coral variant.

A rewards redemption fee of ₹99 + GST is charged for point redemptions.

High foreign currency markup of 3.5% applies to international transactions.

Monthly interest rate of 3.75% (45% p.a.) can be high if not paid fully.

Ready to Choose?

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