AU Bank LIT vs Kotak White Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Kotak White Reserve wins 5-4. Premium dining + travel without breaking the ₹3K-fee tier. 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 | Kotak White Reserve |
|---|---|---|
| Annual fee | No annual fee | · ₹3,000 |
| Joining fee | None | · ₹3,000 |
| Top reward rate | · 1% (general) | 4% (dining) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Customizable category boosts at sign-up | = 5,000 reward points + Marriott Bonvoy Silver Elite |
| Fee waiver threshold | · N/A (no fee) | ₹600,000 / yr |
| Min income | ₹360,000 | · ₹1,800,000 |
| Min credit score | 720 | · 780 |
| Editorial rating | · 4.4/5 | 4.6/5 |
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 White Reserve
- 4 reward points/₹100 on dining + travel
- 6 international Priority Pass visits/year
- 24 domestic lounge visits/year (DragonPass)
- Marriott Bonvoy Silver Elite included
- 1.99% forex markup
FAQ
›AU Bank LIT vs Kotak White Reserve: which is better?
Kotak White Reserve wins on more dimensions (5 vs 4). 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 White Reserve 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 White Reserve: 5,000 reward points + Marriott Bonvoy Silver Elite.