Head-to-head · 🇮🇳 India
AU Bank LIT vs AU Bank Zenith
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 4 of 10
IN
Premium
AU Small Finance Bank
AU Bank Zenith
VISA
Wins 4 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 Zenith |
|---|---|---|
| Annual fee | No annual fee | · ₹7,500 |
| Joining fee | None | · ₹7,500 |
| Top reward rate | · 1% (general) | 10% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = Customizable category boosts at sign-up | = 7,500 reward points + Vistara Premium Economy ticket |
| Fee waiver threshold | · N/A (no fee) | ₹800,000 / yr |
| Min income | ₹360,000 | · ₹1,200,000 |
| Min credit score | 720 | · 780 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
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 Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
FAQ
›AU Bank LIT vs AU Bank Zenith: which is better?
It's a true tie — pick the one whose boost categories match your spend. AU Bank LIT wins on 4 criteria, AU Bank Zenith on 4.
›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 Zenith 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 Zenith: 7,500 reward points + Vistara Premium Economy ticket.