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AU Altura vs LIC Classic 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 LIC Classic Credit Card compared
FeatureAU Altura Credit CardAU Altura Credit CardAU Small Finance Bank5 recent changes →
LIC Classic Credit CardLIC Classic Credit CardIDFC First Bank7 recent changes →
Rewards by spend
Rewards1% base, up to 2% on groceries0.6% on most spends; 1.2% only at partner merchants
UPI payments (scan and pay)1%Earns nothing
Online shopping1%0.6%
Dining and food delivery1%0.6%
Groceries2%0.6%
Travel: flights, hotels, trains1%0.6%
FuelsameEarns nothingEarns nothing
Bills and recharges2%0.6%; 1.2% only at LIC insurance premium payments made on LIC of India's official website
RentsameEarns nothingEarns nothing
Insurance premiums1%Earns nothing
School and college feesEarns nothing0.6%
Wallet top-upsEarns nothing0.6%
Taxes and government paymentsEarns nothing0.6%
Spend abroad or in a foreign currency1%Earns nothing
Everything else1%0.6%
Card identity
Card typeGroceryUtility bills
NetworkRuPayMastercard
Card tiersameEntryEntry
Fees
Joining fee₹199 + GSTFree
Annual fee₹199 + GSTFree
Lifetime freeNoYes
Fee waived at₹40,000-
Eligibility
Min age21 years-
Max age65 years-
Employment typesameBOTHBOTH
Rewards
Reward typeCashbackReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹100-
Lounge access
Domestic lounge visits04
International lounge visitssame00
Railway lounge visitssame88
Lounge condition2 complimentary railway lounge visits each quarter (8 a year), railway stations only, no airport lounge access1 domestic airport + 2 railway lounge visits per quarter
Forex and international
Forex markup3.49%None
Interest and charges
Interest rate (monthly)3.75%-
Interest rate (annual)45%-
Redemption
Redemption fee-₹99
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 or ITR)
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
LIC Classic Credit Card
Rewards a year
₹1,440
Fee a year
₹0
You keep
₹1,440

At this spend, LIC Classic Credit Card comes out ₹240 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
LIC Classic Credit Card
  • Utility bills only at LIC insurance premium payments made on LIC of India's official website: 1.2% back
  • Anyone who wants no annual fee, ever
  • Flyers: 4 airport lounge visits a year
  • Spending abroad: 0% markup, most cards add 3.5%

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
LIC Classic Credit Card
  • Skip it if most of your spending is fuel, rent, insurance or foreign spends: 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 LIC insurance premium payments made on LIC of India's official website: the 1.2% rate applies only there, everything else earns 0.6%

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

LIC Classic Credit Card. LIC Classic 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?

LIC Classic Credit Card has the lowest forex markup. LIC Classic Credit Card: 0%; AU Altura 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%, LIC Classic Credit Card 0.6%. 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; LIC Classic 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.

Work Out the Numbers

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