Head-to-head · 🇮🇳 India
AU Bank LIT vs SBI Cashback
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 3 of 10
IN
SBI Card
SBI Cashback
VISA
Wins 3 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | AU Bank LIT | SBI Cashback |
|---|---|---|
| Annual fee | No annual fee | · ₹999 |
| Joining fee | None | · ₹999 |
| Top reward rate | · 1% (general) | 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable category boosts at sign-up | = Cashback offsets joining fee on first ₹999+ spend |
| Fee waiver threshold | · N/A (no fee) | ₹200,000 / yr |
| Min income | = ₹360,000 | = ₹360,000 |
| Min credit score | 720 | · 750 |
| 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
SBI Cashback
- 5% cashback on ALL online spends (not just listed merchants) — capped ₹5,000/month
- 1% cashback on offline spends
- Auto-credited within 2 days of statement
- 1% fuel surcharge waiver
FAQ
›AU Bank LIT vs SBI Cashback: which is better?
It's a true tie — pick the one whose boost categories match your spend. AU Bank LIT wins on 3 criteria, SBI Cashback on 3.
›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 Cashback for online shopping. 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 Cashback: Cashback offsets joining fee on first ₹999+ spend.