AU Bank LIT vs Axis Burgundy Private
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis Burgundy Private wins 4-2. Private-banking-tied super-premium — fee waived with banking AUM. AU Bank LIT is still the right call if pick-your-own-categories — toggle 5x on the categories you spend in..
Side-by-side
| Criterion | AU Bank LIT | Axis Burgundy Private |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 1% (general) | 5% (general) |
| Base reward rate | · 1% | 5% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = Customizable category boosts at sign-up | = Burgundy Private banking relationship + 50K points |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | ₹360,000 | · ₹10,000,000 |
| Min credit score | 720 | · 800 |
| Editorial rating | · 4.4/5 | 4.6/5 |
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
Axis Burgundy Private
- 5 EDGE points per ₹100
- Unlimited international + domestic lounge access
- Annual fee waived for Burgundy Private clients (₹5Cr+ AUM)
- 0% forex markup on travel via Travel EDGE
- Dedicated relationship manager + concierge
FAQ
›AU Bank LIT vs Axis Burgundy Private: which is better?
Axis Burgundy Private wins on more dimensions (4 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›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, Axis Burgundy Private 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. Axis Burgundy Private: Burgundy Private banking relationship + 50K points.