AU Bank LIT vs Axis Vistara Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
AU Bank LIT wins 5-2. Pick-your-own-categories — toggle 5x on the categories you spend in. Axis Vistara Signature is still the right call if domestic flyers (vistara was acquired by air india — points convert)..
Side-by-side
| Criterion | AU Bank LIT | Axis Vistara Signature |
|---|---|---|
| Annual fee | No annual fee | · ₹3,000 |
| Joining fee | None | · ₹3,000 |
| Top reward rate | · 1% (general) | 5% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable category boosts at sign-up | = Vistara Premium Economy ticket on joining |
| Fee waiver threshold | · N/A (no fee) | ₹750,000 / yr |
| Min income | ₹360,000 | · ₹600,000 |
| Min credit score | 720 | · 750 |
| Editorial rating | 4.4/5 | · 4.2/5 |
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 Vistara Signature
- 5 CV points per ₹200 on travel
- Premium Economy class ticket on joining
- Premium Economy class ticket on ₹4.5L spend
- 8 domestic lounge visits/year
- Club Vistara Silver tier on joining
FAQ
›AU Bank LIT vs Axis Vistara Signature: which is better?
AU Bank LIT wins on more dimensions (5 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 Vistara Signature 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 Vistara Signature: Vistara Premium Economy ticket on joining.