AU Altura Plus vs IndusInd Bank Duo
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
AU Altura Plus Credit Card wins 3 of 8 dimensions with a CardTrail Score of 6.0/10 vs 5.7/10.
| Feature | AU Altura Plus | IndusInd Bank Duo |
|---|---|---|
| CardTrail Score | 6.0/10 | 5.7/10 |
| Annual Fee | ₹499 | Free |
| Base Reward Rate | 0.5% | 0.33% |
| Max Reward Rate | 3% | 1.5% |
| Forex Markup | 3.49% | 2% |
| Domestic Lounges | 0 | 0 |
| 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 want higher rewards — up to 3% vs 1.5%
- Your primary spend is: rewards, cashback
When to Choose IndusInd Bank Duo
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹1,490/year on ₹1L forex spend
- Your primary spend is: general, cashback
Forex Cost Comparison
On ₹1,00,000 annual international spending: AU Altura Plus costs ₹4,118 in forex fees vs IndusInd Bank Duo at ₹2,360. You save ₹1,758/year with IndusInd Bank Duo.
Annual Fee Value Analysis
To break even on AU Altura Plus's ₹499 fee at 0.5% rewards, spend ₹8,317/month.
IndusInd Bank Duo is lifetime free — no break-even needed.