AU Altura Plus vs DBS Spark10
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
DBS Spark10 Credit Card wins 4 of 8 dimensions with a CardTrail Score of 7.6/10 vs 6.0/10.
| Feature | AU Altura Plus | DBS Spark10 |
|---|---|---|
| CardTrail Score | 6.0/10 | 7.6/10 |
| Annual Fee | ₹499 | ₹999 |
| Base Reward Rate | 0.5% | 1% |
| Max Reward Rate | 3% | 5% |
| Forex Markup | 3.49% | 3.5% |
| Domestic Lounges | 0 | 4 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Mastercard | Visa |
When to Choose AU Altura Plus
- You can meet the fee waiver condition: Spend ₹80K/year
- You travel internationally — saves ₹10/year on ₹1L forex spend
- Your primary spend is: rewards, cashback
When to Choose DBS Spark10
- You can meet the fee waiver condition: Spend Rs 2L/year
- You want higher rewards — up to 5% vs 3%
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: rewards, cashback
Forex Cost Comparison
On ₹1,00,000 annual international spending: AU Altura Plus costs ₹4,118 in forex fees vs DBS Spark10 at ₹4,130. You save ₹12/year with AU Altura Plus.
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 DBS Spark10's ₹999 fee at 1% rewards, spend ₹8,325/month.