AU Altura Plus vs SimplyCLICK Advantage SBI Card
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
SimplyCLICK Advantage SBI Card wins 3 of 8 dimensions with a CardTrail Score of 7.9/10 vs 6.0/10.
| Feature | AU Altura Plus | SimplyCLICK Advantage SBI Card |
|---|---|---|
| CardTrail Score | 6.0/10 | 7.9/10 |
| Annual Fee | ₹499 | ₹499 |
| Base Reward Rate | 0.5% | 1% |
| Max Reward Rate | 3% | 10% |
| Forex Markup | 3.49% | 3.5% |
| 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 travel internationally — saves ₹10/year on ₹1L forex spend
- Your primary spend is: rewards, cashback
When to Choose SimplyCLICK Advantage SBI Card
- You can meet the fee waiver condition: Spend Rs 1L/year
- You want higher rewards — up to 10% vs 3%
- Your primary spend is: online-shopping, cashback
Forex Cost Comparison
On ₹1,00,000 annual international spending: AU Altura Plus costs ₹4,118 in forex fees vs SimplyCLICK Advantage SBI Card 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 SimplyCLICK Advantage SBI Card's ₹499 fee at 1% rewards, spend ₹4,158/month.