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Credit CardsComparisons

AU Altura Plus Credit Card vs IDFC FIRST Select

A head-to-head comparison of AU Altura Plus Credit Card and IDFC FIRST Select 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

IDFC FIRST Select

High Volume Spenders

Annual Fee
Lifetime Free
Reward Rate
10X on incremental spends
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Feature comparison

FeatureAU AlturaIDFC FIRST
Annual Fee₹499 + taxes (Joining fee waived on ₹20K spend in 90 days; renewal waived on ₹80K annual spend)Lifetime Free
Reward Rate1.5% POS cashback; 2 RP per ₹100 online10X on incremental spends
Best ForEveryday Retail SpendsHigh Volume Spenders
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU AlturaIDFC FIRST
Groceries
Fuel
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 fuel surcharge waiver

Choose IDFC FIRST Select if:

  • Lower annual fee (₹Nil vs ₹499)

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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IDFC FIRST Select

What's good
  • Lifetime free with no annual charges ever
  • Reward points never expire
  • Domestic lounge access available
Watch out for
  • Lounge access requires ₹20,000 spend in the previous calendar month
  • 10X multiplier only activates after spending ₹20,000 in a billing cycle
  • Tiered reward calculation is complex to track
  • Reward earning base revised from ₹150 to ₹200 per point (devaluation)
Apply Now
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