AU Bank LIT vs IDFC FIRST Wow
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IDFC FIRST Wow wins 3-1. Secured card backed by FD — accessible to thin-credit-file applicants. 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 Wow |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = Customizable category boosts at sign-up | = Lifetime free + 600 points on first transaction |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | · ₹360,000 | — |
| Min credit score | · 720 | 600 |
| Editorial rating | 4.4/5 | · 4/5 |
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 Wow
- 1 reward point per ₹100 (no rate change cliff)
- Lifetime free, no annual fee
- 4 complimentary domestic lounge visits/quarter
- 1% fuel surcharge waiver
- Backed by FD: easy approval
FAQ
›AU Bank LIT vs IDFC FIRST Wow: which is better?
IDFC FIRST Wow wins on more dimensions (3 vs 1). 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 Wow 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 Wow: Lifetime free + 600 points on first transaction.