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AU Altura vs Axis Bank Freecharge Plus 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 Freecharge Plus Credit Card compared
FeatureAU Altura Credit CardAU Altura Credit CardAU Small Finance Bank5 recent changes →
Axis Bank Freecharge Plus Credit CardAxis Bank Freecharge Plus Credit CardAxis Bank5 recent changes →
Rewards by spend
Rewards1% base, up to 2% on groceries1% on most spends; 5% only at partner merchants
UPI payments (scan and pay)1%Earns nothing
Online shoppingsame1%1%
Dining and food deliverysame1%1%
Groceries2%1%
Travel: flights, hotels, trains1%1%; 2% only at Taxis, bus lines, suburban transport and car rental
FuelsameEarns nothingEarns nothing
Bills and recharges2%1%; 5% only at Freecharge app, recharges and bill payments
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 currencysame1%1%
Everything elsesame1%1%
Card identity
Card typeGroceryUtility bills
NetworkRuPayVisa
Card tiersameEntryEntry
Fees
Joining fee₹199 + GST₹350 + GST
Annual fee₹199 + GST₹350 + GST
Fee waived at₹40,000₹50,000
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-
Lounge access
Domestic lounge visits0-
International lounge visits0-
Railway lounge visits8-
Lounge condition2 complimentary railway lounge visits each quarter (8 a year), railway stations only, no airport 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 neededPAN 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 Income proof, salary slips (salaried) or ITR (self-employed)
ApplyApply NowApply Now

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 Freecharge Plus Credit Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400

At this spend, Axis Bank Freecharge Plus Credit Card comes out ₹1,200 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 Freecharge Plus Credit Card
  • Utility bills only at Freecharge app, recharges and bill payments: 5% back
  • Travel only at Taxis, bus lines, suburban transport and car rental: 2% back
  • Spending ₹4,167 or more a month: the ₹413 fee is waived

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 Freecharge Plus Credit Card
  • Skip it if you spend less than ₹4,167 a month (₹50,000 a year, rent and wallet loads not counted): the ₹413 fee is then charged
  • Skip it if most of your spending is fuel, rent, insurance or education: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you rarely spend on Freecharge app, recharges and bill payments: the 5% rate applies only there, everything else earns 1%

Card data sourced via CardAdvisor.in (AU Altura Credit Card, Axis Bank Freecharge Plus 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 Freecharge Plus Credit Card?

AU Altura Credit Card. AU Altura Credit Card: ₹199; Axis Bank Freecharge Plus Credit Card: ₹350. 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 Freecharge Plus 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: AU Altura Credit Card 1%, Axis Bank Freecharge Plus Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

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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