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AU Altura Plus Credit Card VS IDFC FIRST Millennia 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: 21 July 2026

Both AU Altura Plus Credit Card and IDFC FIRST Millennia 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. IDFC FIRST Millennia Credit Card is lifetime-free and earns 10X points on spends above ₹20,000 and birthdays; 3X on other spends (1X = 1 pt per ₹200). 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 IDFC FIRST Millennia Credit Card counters with 4 complimentary railway lounge visits per quarter (subject to monthly spend of ₹20,000). Weigh the fee against the reward rate above to see which fits your spending pattern better.

AU Altura Plus Credit Card
AU Altura Plus Credit Card
IDFC FIRST Millennia Credit Card
IDFC FIRST Millennia Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining FeeLifetime Free
Renewal Fee₹499 + GST
Renewal FeeLifetime Free
Spend Based WaiverAnnual charges waived by spending Rs. 80,000 in a card anniversary year.
Spend Based WaiverNot applicable as the card is lifetime free.
Foreign Transaction Fees3.49% on all foreign currency spends.
Foreign Transaction Fees3.5% of the total transaction value.
Interest Rate (APR)3.59% Per Month (43.08% Per Annum).
Interest Rate (APR)Ranges from 8.5% to 46.2% per annum.

Rewards & Benefits

Welcome Bonus
Welcome Bonuse-gift voucher worth ₹500 on spending ₹5,000+ within 30 days, plus 5% cashback up to ₹1,000 on first EMI.
Rewards Rate1.5% cashback on POS retail spends; 2 Reward Points for every Rs. 100 on online transactions.
Rewards RateUp to 10x points on dining, travel, international, birthday spends; 3x on others; 1x on utilities/insurance.
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge Access2 complimentary railway lounge access visits every quarter at select locations.
Domestic Lounge Access4 complimentary Railway Lounge access each quarter across India (spend ₹20,000/month to unlock).
International Lounge Access
International Lounge Access
Travel Benefits2 complimentary railway lounge access visits every quarter at select locations.
Travel Benefits4 complimentary Railway Lounge access each quarter; 20% bonus points on hotel, 10% on flight bookings.
Movie Benefits
Movie Benefits25% discount, up to ₹100, on movie tickets via District by Zomato app, once monthly.
Dining Benefits
Dining BenefitsUp to 20% discount at more than 1,500 leading restaurants across India.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for transactions between Rs. 400-5,000, capped at Rs. 150 per cycle.
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹200 and ₹5,000, up to ₹200 per month.

Security & Other

Insurance BenefitsZero liability protection.
Insurance BenefitsPersonal Accidental Cover worth ₹2 Lakh; Lost Card Liability Cover of ₹25,000.
Cash Advance Charges2.5% of advanced amount or ₹500, whichever is higher.
Cash Advance Charges₹199 + GST per transaction. Interest-free cash withdrawals from ATMs for up to 45 days.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Altura Plus Credit Card

IDFC FIRST Millennia 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 IDFC FIRST Millennia Credit Card is an entry-level, lifetime-free credit card for young individuals. It offers up to 10x non-expiring reward points on various spends, complimentary railway lounge access, and discounts on movies and dining. This card is a value-for-money option for everyday spending and domestic travel, making it ideal for young earners and trendsetters.

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.

Lifetime free credit card with no joining or annual fees, offering great value.

Enjoy 4 complimentary railway lounge accesses each quarter, ideal for train travelers.

Reward points never expire, ensuring long-term value and flexibility in redemption.

Earn up to 10x reward points on dining, travel, international, and birthday spends.

Benefit from low interest rates starting at 8.5% per annum and interest-free cash withdrawals.

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.

The card does not offer any domestic or international airport lounge access.

A reward redemption fee of ₹99 + GST is charged for every redemption.

A foreign currency markup of 3.5% applies to all international transactions.

Cash advance charges of ₹199 + GST are applicable per transaction.

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 IDFC FIRST Millennia Credit Card(opens in new tab)