Head-to-head · 🇮🇳 India
Axis ACE vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Axis Bank
Axis ACE
VISA
Wins 4 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 5 of 10
Verdict
AU Bank LIT wins 5-4. India's first customizable card — choose your perks each month. Axis ACE is still the right call if bill payments + utilities + fuel — set-and-forget cashback.
Side-by-side
| Criterion | Axis ACE | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹499 | No annual fee |
| Joining fee | · ₹499 | None |
| Top reward rate | 4% (fuel) | · 1% (general) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Up to ₹2,000 cashback on first 60-day spends | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹200,000 / yr | · N/A (no fee) |
| Min income | · ₹360,000 | ₹300,000 |
| Min credit score | · 750 | 730 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
Axis ACE
- 5% cashback on Google Pay bill payments (electricity, gas, broadband, mobile, DTH)
- 4% cashback on Swiggy, Zomato, Ola
- 2% cashback on every other transaction
- 4 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver
AU Bank LIT
- Toggle between 4 benefit packs each month (cashback / travel / shopping / dining)
- 5x rewards on chosen category
- Lifetime free
- 4 domestic lounge visits/quarter
- 1% fuel surcharge waiver
FAQ
›Axis ACE vs AU Bank LIT: which is better?
AU Bank LIT wins on more dimensions (5 vs 4). 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 Axis ACE for its best categories, AU Bank LIT for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis ACE: Up to ₹2,000 cashback on first 60-day spends. AU Bank LIT: Customizable card features (toggle benefits on/off).