Head-to-head · 🇮🇳 India
AU Bank LIT vs IRCTC SBI Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 4 of 10
IN
SBI Card
IRCTC SBI Premier
RuPay
Wins 2 of 10
Verdict
AU Bank LIT wins 4-2. Pick-your-own-categories — toggle 5x on the categories you spend in. IRCTC SBI Premier is still the right call if frequent rail travelers — 10% irctc train ticket value back..
Side-by-side
| Criterion | AU Bank LIT | IRCTC SBI Premier |
|---|---|---|
| Annual fee | No annual fee | · ₹1,499 |
| Joining fee | None | · ₹1,499 |
| Top reward rate | · 1% (general) | 10% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | 3.5% | · 4% |
| Welcome bonus | = Customizable category boosts at sign-up | = 1,500 IRCTC reward points |
| Fee waiver threshold | · N/A (no fee) | ₹200,000 / yr |
| Min income | = ₹360,000 | = ₹360,000 |
| Min credit score | = 720 | = 720 |
| 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
IRCTC SBI Premier
- 10% rewards on IRCTC train ticket bookings
- 4 reward points per ₹125 on dining + groceries
- Up to 5% railway lounge access discount
- 8 complimentary domestic airport lounge visits/year
- 4% forex markup (high — not for international)
FAQ
›AU Bank LIT vs IRCTC SBI Premier: which is better?
AU Bank LIT 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, IRCTC SBI Premier 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. IRCTC SBI Premier: 1,500 IRCTC reward points.