Head-to-head · 🇮🇳 India
AU Bank LIT vs SBI IRCTC Premier
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
SBI Card
SBI IRCTC Premier
VISA
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 IRCTC Premier |
|---|---|---|
| Annual fee | No annual fee | · ₹1,499 |
| Joining fee | None | · ₹1,499 |
| Top reward rate | · 1% (general) | 10% (travel) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable category boosts at sign-up | = 1,500 reward points + waived first-year fee on ₹1L spend |
| Fee waiver threshold | · N/A (no fee) | ₹200,000 / yr |
| Min income | · ₹360,000 | ₹300,000 |
| Min credit score | 720 | · 740 |
| Editorial rating | 4.4/5 | · 3.9/5 |
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 IRCTC Premier
- 10% IRCTC reward points on train ticket bookings
- 1.25% on other spends
- 4 IRCTC lounge visits/year
- 1% transaction fee waiver on IRCTC site
FAQ
›AU Bank LIT vs SBI IRCTC Premier: 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 IRCTC Premier 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 IRCTC Premier 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 IRCTC Premier: 1,500 reward points + waived first-year fee on ₹1L spend.