Head-to-head · 🇮🇳 India
Axis MyZone vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Axis Bank
Axis MyZone
VISA
Wins 3 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 4 of 10
Verdict
AU Bank LIT wins 4-3. India's first customizable card — choose your perks each month. Axis MyZone is still the right call if entry-tier with strong entertainment partnerships..
Side-by-side
| Criterion | Axis MyZone | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹500 | No annual fee |
| Joining fee | · ₹500 | None |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = ₹500 SonyLIV / Eros Now subscription | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹100,000 / yr | · N/A (no fee) |
| Min income | ₹240,000 | · ₹300,000 |
| Min credit score | 720 | · 730 |
| Editorial rating | · 4/5 | 4.3/5 |
Benefits compared
Axis MyZone
- Buy-1-get-1 BookMyShow tickets up to ₹500/transaction
- 40% off on Swiggy (capped ₹120)
- Sony LIV / Eros Now annual subscription
- 4 reward points per ₹200
- 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 MyZone vs AU Bank LIT: which is better?
AU Bank LIT wins on more dimensions (4 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 Axis MyZone 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 MyZone: ₹500 SonyLIV / Eros Now subscription. AU Bank LIT: Customizable card features (toggle benefits on/off).