Head-to-head · 🇮🇳 India
AU Bank LIT vs SBI Air India Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 5 of 10
IN
SBI Card
SBI Air India Signature
VISA
Wins 4 of 10
Verdict
AU Bank LIT wins 5-4. Pick-your-own-categories — toggle 5x on the categories you spend in. SBI Air India Signature is still the right call if air india loyalists — highest miles earn on ai bookings..
Side-by-side
| Criterion | AU Bank LIT | SBI Air India Signature |
|---|---|---|
| Annual fee | No annual fee | · ₹4,999 |
| Joining fee | None | · ₹4,999 |
| Top reward rate | · 1% (general) | 8% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Customizable category boosts at sign-up | = 20,000 Air India reward points |
| 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 | · 4.3/5 |
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
SBI Air India Signature
- 30 AI reward points per ₹100 on Air India bookings
- 4 reward points per ₹100 on others
- Air India Maharajah Club Silver
- 8 international + 8 domestic lounge visits/year
- Free Air India ticket on ₹5L spend
FAQ
›AU Bank LIT vs SBI Air India Signature: which is better?
AU Bank LIT 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, SBI Air India 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. SBI Air India Signature: 20,000 Air India reward points.