Head-to-head · 🇮🇳 India
AU Bank LIT vs HDFC MoneyBack+
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
HDFC Bank
HDFC MoneyBack+
VISA
Wins 4 of 10
Verdict
HDFC MoneyBack+ wins 4-3. Entry-level cashback with very low waiver bar. 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 | HDFC MoneyBack+ |
|---|---|---|
| Annual fee | No annual fee | · ₹500 |
| Joining fee | None | · ₹500 |
| Top reward rate | · 1% (general) | 5% (shopping) |
| Base reward rate | · 1% | 2% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable category boosts at sign-up | = 500 CashPoints on first transaction |
| Fee waiver threshold | · N/A (no fee) | ₹50,000 / yr |
| Min income | · ₹360,000 | ₹240,000 |
| Min credit score | = 720 | = 720 |
| Editorial rating | 4.4/5 | · 4.1/5 |
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
HDFC MoneyBack+
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
FAQ
›AU Bank LIT vs HDFC MoneyBack+: which is better?
HDFC MoneyBack+ wins on more dimensions (4 vs 3). 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, HDFC MoneyBack+ 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. HDFC MoneyBack+: 500 CashPoints on first transaction.