Head-to-head · 🇮🇳 India
AU Bank LIT vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 2 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | AU Bank LIT | AU Bank LIT |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Customizable category boosts at sign-up | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | · ₹360,000 | ₹300,000 |
| Min credit score | 720 | · 730 |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
AU Bank LIT
- Customize 1 of 8 spend categories at any time
- 5x reward points on chosen category
- 1% fuel surcharge waiver
- 4 free domestic lounge visits/year
- No annual fee, ever
AU Bank LIT
- Toggle between 4 benefit packs each month (cashback / travel / shopping / dining)
- 5x rewards on chosen category
- Lifetime free
- 4 domestic lounge visits/quarter
- 1% fuel surcharge waiver
FAQ
›AU Bank LIT vs AU Bank LIT: which is better?
It's a true tie — pick the one whose boost categories match your spend. AU Bank LIT wins on 2 criteria, AU Bank LIT on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use AU Bank LIT for its best categories, AU Bank LIT for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
AU Bank LIT: Customizable category boosts at sign-up. AU Bank LIT: Customizable card features (toggle benefits on/off).