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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.

Features

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
Nil
Renewal Fee
₹499 + GST
Nil
Spend Based Waiver
1st year fee waiver on ₹20,000 retail spends in 90 days; 2nd year onwards on ₹80,000 retail spends.
Not Applicable (Lifetime Free Card)
Foreign Transaction Fees
3.49% on all foreign currency spends.
3.5% of the total transaction value.
Interest Rate (APR)
3.59% Per Month (43.08% Per Annum).
Variable rates ranging from 8.5% to 46.2% per annum (0.75% to 3.5% per month).

Rewards & Benefits

Welcome Bonus
₹500 gift voucher on ₹5,000 spend, 5% EMI cashback, and up to ₹200 UPI cashback offer.
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.
10X points on spends above ₹20,000 and birthdays; 3X on other spends (1X = 1 pt per ₹200).
Reward Type
Reward Points and Cashback
Reward Points
Reward Redemption Fee
Nil
₹99 + GST per 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).
4 complimentary railway lounge visits per quarter (subject to monthly spend of ₹20,000).
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Enjoy 2 complimentary railway lounge access per calendar quarter at select stations.
Bonus rewards on travel: 33% extra points for hotels and 13% for flight bookings via bank app.
Movie Benefits
Not Applicable
25% discount up to ₹100 on movie tickets via District by Zomato mobile app, once per month.
Dining Benefits
Not Applicable
Up to 20% discount at 1,500+ partnered restaurants and 15% off at 3,000+ health outlets.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver for transactions ₹400-₹5,000, capped at ₹150 per statement cycle.
1% waiver for transactions between ₹200 and ₹5,000 (max ₹200 per cycle).

Security & Other

Insurance Benefits
Zero liability protection against fraudulent transactions and free insurance with extended warranty on mobile/electronic purchases.
₹2,00,000 Personal Accident Cover and ₹25,000 Lost Card Liability Cover included.
Cash Advance Charges
2.5% or ₹500, whichever is higher.
₹199 + GST per transaction; interest-free for up to 48 days.
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 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 First Millennia Credit Card by IDFC FIRST Bank is a premium lifetime-free entry-level card designed for young professionals. It offers a unique reward system where points never expire, alongside exclusive perks like railway lounge access, movie discounts, and low interest rates starting from 8.5% p.a.

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 the benefit of a lifetime-free card with no joining or annual fees ever.

Earn reward points that never expire, ensuring you never lose the value you have earned.

Access complimentary railway lounges 4 times per quarter at major stations across India.

Benefit from exceptionally low interest rates starting from just 8.5% per annum.

Comprehensive protection with personal accident insurance and 24/7 roadside assistance.

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.

The card lacks complimentary domestic and international airport lounge access for travelers.

A reward redemption fee of ₹99 plus GST is charged for every redemption transaction made.

High monthly spending of over ₹20,000 is required to unlock the 10X reward point benefit.

Essential spending categories like fuel and EMI transactions do not earn any reward points.

Ready to Choose?

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