AU Bank LIT vs Kotak Royale Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
AU Bank LIT wins 4-3. Pick-your-own-categories — toggle 5x on the categories you spend in. Kotak Royale Signature is still the right call if mid-tier shopping/dining card with solid fee waiver economics..
Side-by-side
| Criterion | AU Bank LIT | Kotak Royale Signature |
|---|---|---|
| Annual fee | No annual fee | · ₹999 |
| Joining fee | None | · ₹999 |
| Top reward rate | · 1% (general) | 4% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable category boosts at sign-up | = 2,000 reward points worth ₹500 + Pizza Hut voucher |
| Fee waiver threshold | · N/A (no fee) | ₹250,000 / yr |
| Min income | · ₹360,000 | ₹300,000 |
| Min credit score | 720 | · 740 |
| 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
Kotak Royale Signature
- 4 reward points per ₹150 on shopping + dining
- 1 reward point per ₹150 on other spends
- 2 complimentary domestic lounge visits per quarter
- Buy-1-get-1 movie ticket at PVR (Tuesdays)
- 1% fuel surcharge waiver
FAQ
›AU Bank LIT vs Kotak Royale Signature: which is better?
AU Bank LIT wins on more dimensions (4 vs 3). 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, Kotak Royale Signature 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. Kotak Royale Signature: 2,000 reward points worth ₹500 + Pizza Hut voucher.