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Credit CardsComparisons

AU Altura Plus Credit Card vs AU Bank Vetta Credit Card

A head-to-head comparison of AU Altura Plus Credit Card and AU Bank Vetta Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

Grocery & RetailCard A

AU Altura Plus Credit Card

Everyday Retail Spends

Annual Fee
₹499
Reward Rate
1.5% POS cashback; 2 RP per ₹100 online
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Grocery & RetailCard B

AU Bank Vetta Credit Card

Grocery & Lifestyle Spends

Annual Fee
₹2,999
Reward Rate
4 RP per ₹100 on grocery (~1% effective)
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Feature comparison

FeatureAU AlturaAU Bank
Annual Fee₹499 + taxes (Joining fee waived on ₹20K spend in 90 days; renewal waived on ₹80K annual spend)₹2,999 + GST (Waived on ₹40K spend within 90 days; subsequent years waived on ₹1.5L annual spend)
Reward Rate1.5% POS cashback; 2 RP per ₹100 online4 RP per ₹100 on grocery (~1% effective)
Best ForEveryday Retail SpendsGrocery & Lifestyle Spends
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU AlturaAU Bank
Groceries
Fuel
Dining
Everyday spending
Airport lounge access
Fuel surcharge waiver

Quick verdict

Choose AU Altura Plus Credit Card if:

  • Lower annual fee (₹499 vs ₹2,999)
  • You spend heavily on everyday spending
  • You spend heavily on fuel
  • You spend heavily on fuel surcharge waiver
  • This is your first credit card

Choose AU Bank Vetta Credit Card if:

  • You spend heavily on dining

Full pros & cons

AU Altura Plus Credit Card

What's good
  • 1.5% cashback on POS retail transactions, capped at ₹100 per statement cycle
  • 2 Reward Points per ₹100 on online purchases
  • 500 bonus Reward Points each month after ₹20,000 retail spends
  • 8 complimentary railway lounge visits per year
  • 1% fuel surcharge waiver on ₹400–₹5,000 transactions, up to ₹150
  • Joining fee waived after ₹20,000 spend in the first 90 days and renewal fee waived at ₹80,000 annual spend
Watch out for
  • POS cashback is capped at ₹100 per statement cycle
  • Annual fee applies unless the ₹80,000 anniversary-year spend threshold is met
  • 3.49% foreign-currency markup makes it unsuitable for international spending
  • Rewards are worth ₹0.25 per point and several payment categories may be excluded
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AU Bank Vetta Credit Card

What's good
  • 4 RP per ₹100 on grocery and departmental stores (~1% effective)
  • 1 domestic + 1 international lounge visit per quarter via Priority Pass
  • ₹2,000 welcome brand vouchers on ₹30,000 spend within 60 days
  • Up to 30% dining discounts at partner restaurants
  • ₹50L air accident insurance; birthday bonus of 1,000 RP
Watch out for
  • Base rate of 0.5% on non-grocery spends is weak for a ₹3K-fee card
  • 2.99% forex markup — not suitable for international travel despite offering international lounge
  • Lounge access requires ₹50,000 quarterly spend (raised from ₹20K in April 2026)
  • ₹99 + GST redemption fee per transaction reduces effective reward value
Apply Now
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