AU Altura Plus vs SBM ZET 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.
| Feature |  AU Altura Plus Credit CardAU Small Finance Bank6 recent changes → |  SBM ZET Credit Card4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1.5% on most spends | 2% on most spends | |
| UPI payments (scan and pay) | 1.5% | 2% | |
| Online shopping | 0.5% | 2% | |
| Dining and food delivery | 1.5% | 2% | |
| Groceries | 1.5% | 2% | |
| Travel: flights, hotels, trains | 1.5% | 2% | |
| Fuel | Earns nothing | Not stated | |
| Bills and recharges | 0.25% | Not stated | |
| Rent | Earns nothing | Not stated | |
| Insurance premiums | 0.25% | Not stated | |
| School and college fees | Earns nothing | Not stated | |
| Wallet top-ups | 1.5% | Not stated | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 1.5% | 2% | |
| Everything else | 1.5% | 2% | |
| Card identity | |||
| Card type | Cashback | Secured | |
| Networksame | RuPay | RuPay | |
| Card tiersame | Entry | Entry | |
| Fees | |||
| Joining fee | ₹499 + GST | Free | |
| Annual fee | ₹499 + GST | Free | |
| Lifetime free | No | Yes | |
| Fee waived at | ₹80,000 | - | |
| Eligibility | |||
| Min age | 21 years | 18 years | |
| Max age | 65 years | - | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Cashback | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | Yes | No | |
| Fuel waiver cap | ₹100 | - | |
| Lounge access | |||
| Railway lounge visits | 8 | - | |
| Forex and international | |||
| Forex markup | 3.49% | 2.49% | |
| UPI rewards | |||
| Works on UPIsame | Yes | Yes | |
| UPI note | - | 2% on ZET UPI payments only with the paid ZET Plus plan (Rs 3 a day plus GST). | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | 3.5% | |
| Interest rate (annual) | 45% | 42% | |
| Page content | |||
| Documents needed | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | PAN card Aadhaar / valid address proof | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹1,200
- Fee a year
- ₹0
- You keep
- ₹1,200
- Rewards a year
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
At this spend, SBM ZET Credit Card comes out ₹3,600 a year ahead of AU Altura Plus 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
- People who shop at local stores
- Moderate monthly spenders
- Train travellers
- First-time borrowers with no credit history
- Students and new earners
- People rebuilding a low credit score
- UPI users who want a credit line
Watch-Outs
- Cashback capped at Rs 100 a month
- Low rewards on online spends
- 3.49% forex markup
- Credit limit is capped at 90% of your deposit
- UPI cashback needs the paid ZET Plus plan
- Food delivery discounts are small and capped
Card data sourced via CardAdvisor.in (AU Altura Plus Credit Card, SBM ZET Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, AU Altura Plus Credit Card or SBM ZET Credit Card?
SBM ZET Credit Card. SBM ZET Credit Card: no annual fee; AU Altura Plus Credit Card: ₹499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
SBM ZET Credit Card has the lowest forex markup. SBM ZET Credit Card: 2.49%; AU Altura Plus 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: SBM ZET Credit Card 2%, AU Altura Plus Credit Card 1.5%. 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.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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