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AU Altura Credit Card vs PhonePe SBI Card SELECT BLACK 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 SELECT BLACK compared
FeatureAU Altura Credit CardAU Altura Credit CardAU Small Finance Bank5 recent changes →
PhonePe SBI Card SELECT BLACKPhonePe SBI Card SELECT BLACKState Bank of India3 recent changes →
Rewards by spend
Rewards1% base, up to 2% on groceries1% base, up to 5% on online shopping; 10% only at partner merchants
UPI payments (scan and pay)same1%1%
Online shopping1%5%
Dining and food deliverysame1%1%
Groceries2%1%
Travel: flights, hotels, trainssame1%1%
FuelsameEarns nothingEarns nothing
Bills and recharges2%1%; 10% 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 tierEntryMid
Fees
Joining fee₹199 + GST₹1,499 + GST
Annual fee₹199 + GST₹1,499 + GST
Fee waived at₹40,000₹3,00,000
Eligibility
Min age21 years-
Max age65 years-
Employment typesameBOTHBOTH
Rewards
Reward typeCashbackReward points
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹100₹250
Lounge access
Domestic lounge visits04
International lounge visitssame00
Railway lounge visits8-
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge condition2 complimentary railway lounge visits each quarter (8 a year), railway stations only, no airport lounge access4 complimentary domestic airport lounge visits a year, 1 per quarter. Includes a complimentary 2-year Priority Pass membership, but international lounge visits on it are self-paid
Forex and international
Forex markup3.49%3.5%
UPI rewards
Works on UPINoYes
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
PhonePe SBI Card SELECT BLACK
Rewards a year
₹4,800
Fee a year
- ₹1,769
You keep
₹3,031

At this spend, PhonePe SBI Card SELECT BLACK comes out ₹1,831 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 SELECT BLACK
  • Utility bills only at PhonePe app: 10% back, up to ₹1,500 a month
  • Online shopping: 5% back, up to ₹1,000 a month
  • Spending ₹25,000 or more a month: the ₹1,769 fee is waived
  • Flyers: 4 airport lounge visits a year

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 SELECT BLACK
  • Skip it if you spend less than ₹25,000 a month (₹3,00,000 a year, rent and wallet loads not counted): the ₹1,769 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 10% 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 SELECT BLACK), 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 SELECT BLACK?

AU Altura Credit Card. AU Altura Credit Card: ₹199; PhonePe SBI Card SELECT BLACK: ₹1,499. 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 SELECT BLACK: 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 SELECT BLACK 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; PhonePe SBI Card SELECT BLACK: 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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