CheQ AU Credit Card VS Aditya Birla AU Bank Credit Cards VS AU Altura Credit Card VS AU Altura Plus Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
CheQ AU Credit Card
Aditya Birla AU Bank Credit Cards
AU Altura Credit Card
AU Altura Plus Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
India's first LED-enabled credit card offers a unique and visually engaging payment experience.
High reward rates up to 12% on popular brands and categories like shopping, travel, and utilities.
Lifetime free for the standard variant, making it an attractive option with no annual fees.
Receive both a Visa (LED) and RuPay card with a single application, offering great versatility.
Uncapped base rewards ensure continuous earning even after reaching accelerated rewards limits.
Pros
Key benefits and features.
Offers lifetime free credit card options, reducing annual financial burden significantly.
Unique customizable features allow tailoring benefits like cashback and lounge access.
Accelerated reward points across diverse categories including travel, dining, and utilities.
Includes exclusive memberships to popular platforms like Amazon Prime and ZEE5.
Provides specific card variants catering to business needs and international spends.
Pros
Key benefits and features.
Enjoy significant savings with up to 2% cashback on daily essential spends.
Benefit from a monthly milestone cashback of Rs. 50 on spending Rs. 10,000.
Access complimentary railway lounges in India, enhancing your travel experience.
Receive a 1% fuel surcharge waiver, providing savings on your fuel expenses.
Offers zero liability protection, safeguarding against unauthorized card 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.
Cons
Key drawbacks and limitations.
Accelerated rewards are capped at 12,000 CheQ points per month, limiting high spenders.
Rewards are not applicable on several categories like fuel, education, gold, and rent payments.
Optional LED card incurs a one-time issuance fee of ₹999 + GST, which is an additional cost.
Interest rate on revolving credit is high at 3.75% per month (45% per annum), typical of the category.
No domestic or international airport lounge access on this card.
Applications for the LED card open only from April 28, 2026, indicating a future availability.
Cons
Key drawbacks and limitations.
The multi-card structure can make understanding specific benefits complex for users.
Customizable features, while flexible, often come with an additional monthly cost.
Standard foreign currency markup is high on some variants, impacting international spends.
Reward points are not earned on certain categories like fuel, insurance, and rent.
High interest rates of 3.59% per month apply if balances are carried over.
Cons
Key drawbacks and limitations.
Cashback earnings are capped per statement cycle, limiting overall savings potential.
No cashback is provided on key transaction types like fuel, rent, and wallet spends.
The card does not provide any complimentary airport lounge access.
A foreign currency markup of 3.49% applies to international spends.
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.