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AU Altura Plus Credit Card VS SBI SimplyCLICK 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
SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card

Fees & Charges

Joining Fee
₹499 + GST
₹499 + GST
Renewal Fee
₹499 + GST
₹499 + 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 if annual spends for previous year are ₹1,00,000 or more.
Foreign Transaction Fees
3.49% on all foreign currency spends.
3.5% of the total transaction amount.
Interest Rate (APR)
3.59% Per Month (43.08% Per Annum).
3.75% per month (45% annually).

Rewards & Benefits

Welcome Bonus
Amazon.in gift card worth ₹500 upon payment of annual fee.
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 10X Reward Points on exclusive online partners, 5X on other online spends, and 1 RP per ₹100 on offline spends.
Reward Type
Reward Points and Cashback
Reward Points
Reward Redemption Fee
Nil
₹99 + GST applies for redeeming reward points.

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
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Enjoy 2 complimentary railway lounge access per calendar quarter at select stations.
10X Reward Points on Cleartrip & Yatra; e-vouchers worth ₹2,000 each from Cleartrip/Yatra on milestones.
Movie Benefits
Not Applicable
10X Reward Points on BookMyShow spends.
Dining Benefits
Not Applicable
10X Reward Points on Dominos and Swiggy spends.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver for transactions ₹400-₹5,000, capped at ₹150 per statement cycle.
1% waiver on transactions between ₹500-₹3,000, capped at ₹100 per cycle.

Security & Other

Insurance Benefits
Zero liability protection against fraudulent transactions and free insurance with extended warranty on mobile/electronic purchases.
Not Applicable
Cash Advance Charges
2.5% or ₹500, whichever is higher.
2.5% of withdrawal amount, subject to a minimum fee of ₹500.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Altura Plus Credit Card

SBI SimplyCLICK 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 SBI SimplyCLICK Credit Card is an excellent entry-level shopping card, especially for online shoppers, offering accelerated reward points on popular brands. With an affordable annual fee of ₹499, which is easily reversible, it helps maximize savings on digital transactions. New cardholders get a ₹500 Amazon gift card, effectively offsetting the first year's fee, and milestone benefits add further value through travel e-vouchers. It's ideal for building credit and offers great utility for everyday online purchases.

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 accelerated reward program for online shopping, with up to 10X points on partner brands.

Affordable annual fee of ₹499, easily waived by spending ₹1 lakh annually, making it cost-effective.

Welcome Amazon gift card worth ₹500 effectively offsets the first year's annual fee immediately.

Valuable milestone e-vouchers from Cleartrip/Yatra on achieving specific annual spending goals.

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 complimentary domestic or international airport lounge access, limiting benefits for travelers.

Does not provide explicit insurance benefits, which is a common feature in many other cards.

Reward redemption options are somewhat limited, potentially reducing flexibility for cardholders.

Ready to Choose?

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