Head-to-head · 🇮🇳 India
AU Bank LIT vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 3 of 10
IN
Axis Bank
Axis MyZone
VISA
Wins 2 of 10
Verdict
AU Bank LIT wins 3-2. Pick-your-own-categories — toggle 5x on the categories you spend in. Axis MyZone is still the right call if entry-tier with strong entertainment partnerships..
Side-by-side
| Criterion | AU Bank LIT | Axis MyZone |
|---|---|---|
| Annual fee | No annual fee | · ₹500 |
| Joining fee | None | · ₹500 |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable category boosts at sign-up | = ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | · N/A (no fee) | ₹100,000 / yr |
| Min income | · ₹360,000 | ₹240,000 |
| Min credit score | = 720 | = 720 |
| Editorial rating | 4.4/5 | · 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
Axis MyZone
- Buy-1-get-1 BookMyShow tickets up to ₹500/transaction
- 40% off on Swiggy (capped ₹120)
- Sony LIV / Eros Now annual subscription
- 4 reward points per ₹200
- 1% fuel surcharge waiver
FAQ
›AU Bank LIT vs Axis MyZone: which is better?
AU Bank LIT wins on more dimensions (3 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 MyZone 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 MyZone: ₹500 SonyLIV / Eros Now subscription.