WINNER
IDFC FIRST Select Credit Card
IDFC First Bank
VS
AU Bank Altura Plus Credit Card
AU Small Finance Bank
IDFC FIRST Select Credit Card vs AU Bank Altura Plus Credit Card
Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.
credit card
Updated Jul 2026
Recommended
84
Overall Score / 100
4.2/5
80
Overall Score / 100
4.0/5
Scoreboard· 1 measured features
1
IDFC FIRST Select Credit Card
Overall winner
0
Tied
0
AU Bank Altura Plus Credit Card
What would you save?· ₹ per year, after fees
₹50,000
₹5k₹1L₹2L
Better here
IDFC FIRST Select Credit Card
Rewards (10.0%)+ ₹60,000
Annual feeFree
Net per year+₹60,000
AU Bank Altura Plus Credit Card
Rewards (2.0%)+ ₹12,000
Annual feeFree
Net per year+₹12,000
IDFC FIRST Select Credit Card gives you ₹48,000 more per year at this spend level.
Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.
Feature-by-Feature Comparison
Feature
IDFC FIRST Select Credit Card
AU Bank Altura Plus Credit Card
Reward Rate
10X partners, 6X online, 3X base
2% utilities, 0.5% base
Welcome Bonus
2,000 points
None
Lounge Access
4 domestic visits per quarter
None
Min. Income
₹25,000
₹25,000
Min. Credit Score
700
700
InvestingPro Expert Verdict
Based on SEBI-compliant analysis • Affiliate disclosed
IDFC FIRST Select wins with railway lounge access and 10X on partner brands. AU Altura Plus offers slightly higher base reward rate (3X vs 3X) but no lounge access.
Who Should Get Which?
🏦
Choose IDFC FIRST Select Credit Card
Best if IDFC First Bank is your primary bank.
🏦
Choose AU Bank Altura Plus Credit Card
Best if AU Small Finance Bank is your primary bank.
Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.