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AU Altura vs CheQ AU 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 CheQ AU Credit Card compared
FeatureAU Altura Credit CardAU Altura Credit CardAU Small Finance Bank5 recent changes →
CheQ AU Credit CardCheQ AU Credit CardAU Small Finance Bank4 recent changes →
Rewards by spend
Rewards1% base, up to 2% on groceries0.5% base, up to 2.5% on dining; 6% only at partner merchants
UPI payments (scan and pay)1%Not stated
Online shopping1%2.5%
Dining and food delivery1%2.5%
Groceries2%2.5%
Travel: flights, hotels, trains1%2.5%
FuelsameEarns nothingEarns nothing
Bills and recharges2%0.5%; 6% only at CheQ app utility bills and CheQ Travel
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%0.5%
Everything else1%0.5%
Card identity
Card typeGroceryUtility bills
NetworksameRuPayRuPay
Card tierEntryMid
Fees
Joining fee₹199 + GSTFree
Annual fee₹199 + GSTFree
Lifetime freeNoYes
Fee waived at₹40,000-
Eligibility
Min agesame21 years21 years
Max age65 years60 years
Employment typesameBOTHBOTH
Min monthly salary-₹25,000
Rewards
Reward typeCashbackReward points
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹100₹150
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 markupsame3.49%3.49%
UPI rewards
Works on UPINoYes
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 (in-app KYC) Income proof, salary slips (salaried) or ITR (self-employed)
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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
CheQ AU Credit Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400

At this spend, CheQ AU 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
CheQ AU Credit Card
  • Utility bills only at CheQ app utility bills and CheQ Travel: 6% back, up to ₹6,000 a month
  • Online shopping: 2.5% back, up to ₹6,000 a month
  • Anyone who wants no annual fee, ever

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
CheQ AU Credit Card
  • Skip it if most of your spending is fuel, rent, insurance or education: those earn nothing on this card
  • Skip it if you spend a lot on UPI payments: the card's terms do not state a rate there, so we count nothing
  • Skip it if you rarely spend on CheQ app utility bills and CheQ Travel: the 6% rate applies only there, everything else earns 0.5%
  • Skip it if you often pay in foreign currency: 3.49% is added to every foreign spend

Card data sourced via CardAdvisor.in (AU Altura Credit Card, CheQ AU 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 CheQ AU Credit Card?

CheQ AU Credit Card. CheQ AU Credit Card: no annual fee; AU Altura Credit Card: ₹199. 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%; CheQ AU Credit Card: 3.49%. 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%, CheQ AU Credit Card 0.5%. 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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