Head-to-head · 🇮🇳 India
AU Bank LIT vs Axis Reserve
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
Axis Bank
Axis Reserve
VISA
Wins 5 of 10
Verdict
Axis Reserve wins 5-4. Invitation-only super-premium — for ₹25L+/year spenders. 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 Reserve |
|---|---|---|
| Annual fee | No annual fee | · ₹50,000 |
| Joining fee | None | · ₹50,000 |
| 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 | = 50,000 EDGE points + Taj Epicure membership |
| Fee waiver threshold | · N/A (no fee) | ₹2,500,000 / yr |
| Min income | ₹360,000 | · ₹5,000,000 |
| Min credit score | 720 | · 820 |
| Editorial rating | · 4.4/5 | 4.7/5 |
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 Reserve
- 5 EDGE points per ₹100 (effectively 5%)
- Unlimited international + domestic lounge visits
- Taj Epicure + ITC Culinaire memberships
- Concierge 24x7 globally
- 0% forex markup on first ₹15L of FX/year
- Annual ₹25K vouchers at milestones
FAQ
›AU Bank LIT vs Axis Reserve: which is better?
Axis Reserve wins on more dimensions (5 vs 4). 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 Reserve 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 Reserve: 50,000 EDGE points + Taj Epicure membership.