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AU Altura Credit Card vs PhonePe SBI Card PURPLE 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 PhonePe SBI Card PURPLE compared
FeatureAU Altura Credit CardAU Altura Credit CardAU Small Finance Bank5 recent changes →
PhonePe SBI Card PURPLEPhonePe SBI Card PURPLEState Bank of India3 recent changes →
Rewards by spend
Rewards1% base, up to 2% on groceries1% base, up to 2% on online shopping; 3% only at partner merchants
UPI payments (scan and pay)same1%1%
Online shopping1%2%
Dining and food deliverysame1%1%
Groceries2%1%
Travel: flights, hotels, trainssame1%1%
FuelsameEarns nothingEarns nothing
Bills and recharges2%1%; 3% only at PhonePe app
RentsameEarns nothingEarns nothing
Insurance premiumssame1%1%
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
NetworksameRuPayRuPay
Card tiersameEntryEntry
Fees
Joining fee₹199 + GST₹499 + GST
Annual fee₹199 + GST₹499 + GST
Fee waived at₹40,000₹1,00,000
Eligibility
Min age21 years-
Max age65 years-
Employment typesameBOTHBOTH
Rewards
Reward typesameCashbackCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
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%
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)3.75%-
Interest rate (annual)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 / address proof Income proof (salary slips or ITR) Recent passport-size photograph
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
PhonePe SBI Card PURPLE
Rewards a year
₹3,000
Fee a year
₹0
You keep
₹3,000

At this spend, PhonePe SBI Card PURPLE comes out ₹1,800 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
PhonePe SBI Card PURPLE
  • Utility bills only at PhonePe app: 3% back, up to ₹750 a month
  • Online shopping: 2% back, up to ₹750 a month
  • Spending ₹8,333 or more a month: the ₹589 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
PhonePe SBI Card PURPLE
  • Skip it if you spend less than ₹8,333 a month (₹1,00,000 a year, rent and wallet loads not counted): the ₹589 fee is then charged
  • Skip it if most of your spending is fuel, rent, education or wallet top-ups: those earn nothing on this card
  • Skip it if you rarely spend on PhonePe app: the 3% rate applies only there, everything else earns 1%
  • Skip it if you often pay in foreign currency: 3.5% is added to every foreign spend

Card data sourced via CardAdvisor.in (AU Altura Credit Card, PhonePe SBI Card PURPLE), 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 PhonePe SBI Card PURPLE?

AU Altura Credit Card. AU Altura Credit Card: ₹199; PhonePe SBI Card PURPLE: ₹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%; PhonePe SBI Card PURPLE: 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%, PhonePe SBI Card PURPLE 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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