AU Bank LIT vs IDFC FIRST Select
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IDFC FIRST Select wins 4-2. Lifetime-free with surprisingly strong reward earn rates. 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 | IDFC FIRST Select |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 1% (general) | 10% (shopping) |
| Base reward rate | · 1% | 3% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Customizable category boosts at sign-up | = 600 reward points on ₹15K spend in first 90 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | ₹360,000 | · ₹600,000 |
| Min credit score | 720 | · 750 |
| 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
IDFC FIRST Select
- 10x reward points on ₹20K+ monthly spend
- 6x reward points on ₹20K below threshold
- 3x reward points on offline spend
- Lifetime free — no annual fee, ever
- 4 complimentary domestic + 2 international lounge visits per quarter
- 1% fuel surcharge waiver
FAQ
›AU Bank LIT vs IDFC FIRST Select: which is better?
IDFC FIRST Select wins on more dimensions (4 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, IDFC FIRST Select 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. IDFC FIRST Select: 600 reward points on ₹15K spend in first 90 days.