AU Altura Plus vs AU Ixora
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
AU Ixora Credit Card wins 6 of 8 dimensions with a CardTrail Score of 7.6/10 vs 6.0/10.
| Feature | AU Altura Plus | AU Ixora |
|---|---|---|
| CardTrail Score | 6.0/10 | 7.6/10 |
| Annual Fee | ₹499 | ₹2,999 |
| Base Reward Rate | 0.5% | 1% |
| Max Reward Rate | 3% | 5% |
| Forex Markup | 3.49% | 2% |
| Domestic Lounges | 0 | 4 |
| International Lounges | 0 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Mastercard | Mastercard |
When to Choose AU Altura Plus
- You can meet the fee waiver condition: Spend ₹80K/year
- Your primary spend is: rewards, cashback
When to Choose AU Ixora
- You can meet the fee waiver condition: Spend ₹3L/year
- You travel internationally — saves ₹1,490/year on ₹1L forex spend
- You want higher rewards — up to 5% vs 3%
- Airport lounge access matters — 4 domestic visits
Forex Cost Comparison
On ₹1,00,000 annual international spending: AU Altura Plus costs ₹4,118 in forex fees vs AU Ixora at ₹2,360. You save ₹1,758/year with AU Ixora.
Annual Fee Value Analysis
To break even on AU Altura Plus's ₹499 fee at 0.5% rewards, spend ₹8,317/month.
To break even on AU Ixora's ₹2,999 fee at 1% rewards, spend ₹24,992/month.