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Credit CardsComparisons

AU Altura Plus Credit Card vs Axis Bank ACE Credit Card

A head-to-head comparison of AU Altura Plus Credit Card and Axis Bank ACE 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

Axis Bank ACE Credit Card

Retail & Groceries

Annual Fee
₹499
Reward Rate
1.5% Flat Cashback
Apply Now Read full review →

Feature comparison

FeatureAU AlturaAxis Bank
Annual Fee₹499 + taxes (Joining fee waived on ₹20K spend in 90 days; renewal waived on ₹80K annual spend)₹499 (Waived on ₹2L spend)
Reward Rate1.5% POS cashback; 2 RP per ₹100 online1.5% Flat Cashback
Best ForEveryday Retail SpendsRetail & Groceries
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU AlturaAxis Bank
Groceries
Fuel
Dining
Utility bills
Everyday spending
Airport lounge access
Fuel surcharge waiver

Quick verdict

Choose AU Altura Plus Credit Card if:

  • You spend heavily on fuel
  • You spend heavily on airport lounge access
  • You spend heavily on fuel surcharge waiver

Choose Axis Bank ACE Credit Card if:

  • You spend heavily on dining
  • You spend heavily on utility bills

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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Axis Bank ACE Credit Card

What's good
  • Uncapped 1.5% cashback on all online and offline spends
  • 5% cashback on utility bill payments via Google Pay, PhonePe, or any BBPS-enabled UPI app
  • 4% cashback on Swiggy, Zomato, and Ola
Watch out for
  • 5% and 4% cashback categories have a strict combined cap of ₹500 per month
  • Lounge access requires a heavy ₹50,000 spend in the previous quarter
  • Cashback credited only after statement generation
Apply Now
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