AU Altura Plus vs YES Prosperity Rewards Plus
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
AU Altura Plus Credit Card wins 2 of 8 dimensions with a CardTrail Score of 6.0/10 vs 5.3/10.
| Feature | AU Altura Plus | YES Prosperity Rewards Plus |
|---|---|---|
| CardTrail Score | 6.0/10 | 5.3/10 |
| Annual Fee | ₹499 | ₹499 |
| Base Reward Rate | 0.5% | 0.5% |
| Max Reward Rate | 3% | 1% |
| Forex Markup | 3.49% | 2.75% |
| 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%
- Your primary spend is: rewards, cashback
When to Choose YES Prosperity Rewards Plus
- You can meet the fee waiver condition: Spend ₹1L/year
- You travel internationally — saves ₹740/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 YES Prosperity Rewards Plus at ₹3,245. You save ₹873/year with YES Prosperity Rewards 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 YES Prosperity Rewards Plus's ₹499 fee at 0.5% rewards, spend ₹8,317/month.