Head-to-head · 🇮🇳 India
AU Bank LIT vs HDFC Swiggy
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 Swiggy
Wins 3 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | AU Bank LIT | HDFC Swiggy |
|---|---|---|
| Annual fee | No annual fee | · ₹500 |
| Joining fee | None | · ₹500 |
| Top reward rate | · 1% (general) | 10% (dining) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable category boosts at sign-up | = 3-month Swiggy One membership (₹1,499 value) |
| Fee waiver threshold | · N/A (no fee) | ₹200,000 / yr |
| Min income | = ₹360,000 | = ₹360,000 |
| Min credit score | 720 | · 740 |
| Editorial rating | · 4.4/5 | 4.5/5 |
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 Swiggy
- 10% cashback on Swiggy (food, Instamart, Genie, Dineout)
- 5% cashback on online MCC merchants (Amazon, Flipkart, Myntra)
- 1% cashback on other spends
- Cashback auto-credited as Swiggy Money
- 1% fuel surcharge waiver
FAQ
›AU Bank LIT vs HDFC Swiggy: which is better?
It's a true tie — pick the one whose boost categories match your spend. AU Bank LIT wins on 3 criteria, HDFC Swiggy on 3.
›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 Swiggy 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 Swiggy: 3-month Swiggy One membership (₹1,499 value).