Head-to-head · 🇮🇳 India
AU Bank LIT vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 5 of 10
IN
HDFC Bank
HDFC Regalia
VISA
Wins 4 of 10
Verdict
AU Bank LIT wins 5-4. Pick-your-own-categories — toggle 5x on the categories you spend in. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | AU Bank LIT | HDFC Regalia |
|---|---|---|
| Annual fee | No annual fee | · ₹2,500 |
| Joining fee | None | · ₹2,500 |
| Top reward rate | · 1% (general) | 2.7% (general) |
| Base reward rate | · 1% | 2.7% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = Customizable category boosts at sign-up | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | · N/A (no fee) | ₹300,000 / yr |
| Min income | ₹360,000 | · ₹1,200,000 |
| Min credit score | 720 | · 770 |
| Editorial rating | 4.4/5 | · 4.3/5 |
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 Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
FAQ
›AU Bank LIT vs HDFC Regalia: which is better?
AU Bank LIT 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, HDFC Regalia 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 Regalia: 2,500 reward points on first 90-day spend.