Head-to-head · 🇮🇳 India
AU Bank LIT vs SBI Pulse
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 Pulse
Wins 1 of 10
Verdict
AU Bank LIT wins 4-1. Pick-your-own-categories — toggle 5x on the categories you spend in. SBI Pulse is still the right call if health/fitness focused — smartwatch + wellness benefits..
Side-by-side
| Criterion | AU Bank LIT | SBI Pulse |
|---|---|---|
| Annual fee | No annual fee | · ₹1,499 |
| Joining fee | None | · ₹1,499 |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable category boosts at sign-up | = Noise smartwatch on activation + 5,000 reward points |
| Fee waiver threshold | · N/A (no fee) | ₹200,000 / yr |
| Min income | = ₹360,000 | = ₹360,000 |
| 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 Pulse
- Free Noise ColorFit Pulse 2 smartwatch
- 4 reward points per ₹100 on chemists, dining, movies
- 4 domestic lounge visits/year
- 1-year FITPASS PRO membership
- Cult.fit + 1mg discount partnerships
FAQ
›AU Bank LIT vs SBI Pulse: which is better?
AU Bank LIT wins on more dimensions (4 vs 1). 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 Pulse 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 Pulse: Noise smartwatch on activation + 5,000 reward points.