Head-to-head · 🇮🇳 India
AU Bank LIT vs SBI ELITE
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 4 of 10
IN
Premium
SBI Card
SBI ELITE
Wins 4 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 ELITE |
|---|---|---|
| Annual fee | No annual fee | · ₹4,999 |
| Joining fee | None | · ₹4,999 |
| Top reward rate | · 1% (general) | 2% (general) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Customizable category boosts at sign-up | = 5,000 bonus reward points + ₹5,000 e-gift voucher |
| Fee waiver threshold | · N/A (no fee) | ₹1,000,000 / yr |
| Min income | ₹360,000 | · ₹600,000 |
| Min credit score | 720 | · 770 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
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
SBI ELITE
- 2 reward points per ₹100
- Free movie tickets (BookMyShow) up to ₹6K/year
- 6 international + 8 domestic lounge visits/year
- Club Vistara Silver + Trident Privilege Red
- Milestone benefits at ₹3L, ₹4L, ₹5L
FAQ
›AU Bank LIT vs SBI ELITE: which is better?
It's a true tie — pick the one whose boost categories match your spend. AU Bank LIT wins on 4 criteria, SBI ELITE on 4.
›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 ELITE 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 ELITE: 5,000 bonus reward points + ₹5,000 e-gift voucher.