Head-to-head · 🇮🇳 India
AU Bank LIT vs SBI Prime
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 Prime
Wins 3 of 10
Verdict
AU Bank LIT wins 5-3. Pick-your-own-categories — toggle 5x on the categories you spend in. SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | AU Bank LIT | SBI Prime |
|---|---|---|
| Annual fee | No annual fee | · ₹2,999 |
| Joining fee | None | · ₹2,999 |
| Top reward rate | · 1% (general) | 5% (shopping) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable category boosts at sign-up | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | · N/A (no fee) | ₹300,000 / yr |
| Min income | ₹360,000 | · ₹480,000 |
| Min credit score | 720 | · 750 |
| Editorial rating | 4.4/5 | · 4.2/5 |
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 Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›AU Bank LIT vs SBI Prime: which is better?
AU Bank LIT wins on more dimensions (5 vs 3). 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 Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).