Head-to-head · 🇮🇳 India
AU Bank LIT vs Standard Chartered Smart
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
Standard Chartered
Standard Chartered Smart
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 | Standard Chartered Smart |
|---|---|---|
| Annual fee | No annual fee | · ₹499 |
| Joining fee | None | · ₹499 |
| Top reward rate | · 1% (general) | 2% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable category boosts at sign-up | = ₹500 Amazon voucher on first 30-day spend |
| Fee waiver threshold | · N/A (no fee) | ₹120,000 / yr |
| Min income | · ₹360,000 | ₹250,000 |
| Min credit score | = 720 | = 720 |
| Editorial rating | 4.4/5 | · 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
Standard Chartered Smart
- 2% cashback on online spends (capped at ₹100/month)
- 1% cashback on offline + bill payments
- 1% fuel surcharge waiver
- Up to 15% off on partner restaurants (EazyDiner)
FAQ
›AU Bank LIT vs Standard Chartered Smart: which is better?
It's a true tie — pick the one whose boost categories match your spend. AU Bank LIT wins on 3 criteria, Standard Chartered Smart 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, Standard Chartered Smart 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. Standard Chartered Smart: ₹500 Amazon voucher on first 30-day spend.