AU Bank LIT vs RBL World Safari
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
RBL World Safari wins 5-4. International travelers — best forex markup + lounge access combo. 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 | RBL World Safari |
|---|---|---|
| Annual fee | No annual fee | · ₹3,000 |
| Joining fee | None | · ₹3,000 |
| Top reward rate | · 1% (general) | 10% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = Customizable category boosts at sign-up | = 3,000 travel points + ₹3,000 MakeMyTrip voucher |
| Fee waiver threshold | · N/A (no fee) | ₹500,000 / yr |
| Min income | ₹360,000 | · ₹1,200,000 |
| Min credit score | 720 | · 780 |
| 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
RBL World Safari
- 0% forex markup — uniquely zero
- 8 international Priority Pass visits/year (self + guest)
- Domestic lounge visits via DragonPass
- 5x reward points on travel + dining
- Travel insurance up to ₹2 crore
FAQ
›AU Bank LIT vs RBL World Safari: which is better?
RBL World Safari 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, RBL World Safari 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. RBL World Safari: 3,000 travel points + ₹3,000 MakeMyTrip voucher.