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AU Altura vs Axis Bank ACE Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

AU Altura Credit Card versus Axis Bank ACE Credit Card compared
FeatureAU Altura Credit CardAU Altura Credit CardAU Small Finance Bank5 recent changes →
Axis Bank ACE Credit CardAxis Bank ACE Credit CardAxis Bank5 recent changes →
Rewards by spend
Rewards1% base, up to 2% on groceries1.5% on most spends; 5% only at partner merchants
UPI payments (scan and pay)1%Earns nothing
Online shopping1%1.5%
Dining and food delivery1%1.5%; 4% only at Swiggy, Zomato, Ola
Groceries2%1.5%
Travel: flights, hotels, trains1%1.5%
FuelsameEarns nothingEarns nothing
Bills and recharges2%1.5%; 5% only at Google Pay
RentsameEarns nothingEarns nothing
Insurance premiums1%Earns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1%1.5%
Everything else1%1.5%
Card identity
Card typeGroceryUtility bills
NetworkRuPayVisa
Card tiersameEntryEntry
Fees
Joining fee₹199 + GST₹499 + GST
Annual fee₹199 + GST₹499 + GST
Fee waived at₹40,000₹2,00,000
Eligibility
Min age21 years-
Max age65 years-
Employment typesameBOTHBOTH
Rewards
Reward typesameCashbackCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap₹100₹500
Lounge access
Domestic lounge visits04
International lounge visitssame00
Railway lounge visits8-
Lounge condition2 complimentary railway lounge visits each quarter (8 a year), railway stations only, no airport lounge accessSpend Rs 50,000 in the previous quarter for domestic lounge access
Forex and international
Forex markup3.49%3.5%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents neededsamePAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

AU Altura Credit Card
Rewards a year
₹1,200
Fee a year
₹0
You keep
₹1,200
Axis Bank ACE Credit Card
Rewards a year
₹3,600
Fee a year
₹0
You keep
₹3,600

At this spend, Axis Bank ACE Credit Card comes out ₹2,400 a year ahead of AU Altura Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

AU Altura Credit Card
  • First-time card users
  • People who want simple cashback
  • Small monthly spenders
Axis Bank ACE Credit Card
  • Salaried users paying bills online
  • Food delivery and cab users
  • First-time card users
  • People who prefer cashback

Watch-Outs

AU Altura Credit Card
  • Cashback capped at Rs 50 a cycle per category
  • Not worth it for big spenders
  • 3.49% forex markup
Axis Bank ACE Credit Card
  • Bill and food cashback capped monthly
  • Bill cashback only via Google Pay
  • 3.5% forex markup
  • Lounge visits are spend-linked

Card data sourced via CardAdvisor.in (AU Altura Credit Card, Axis Bank ACE Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, AU Altura Credit Card or Axis Bank ACE Credit Card?

AU Altura Credit Card. AU Altura Credit Card: ₹199; Axis Bank ACE Credit Card: ₹499. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Altura Credit Card has the lowest forex markup. AU Altura Credit Card: 3.49%; Axis Bank ACE Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Axis Bank ACE Credit Card 1.5%, AU Altura Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

AU Altura Credit Card: no complimentary lounge visits; Axis Bank ACE Credit Card: 4 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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