Head-to-head · 🇮🇳 India
Axis Reserve vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
Axis Bank
Axis Reserve
VISA
Wins 5 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 4 of 10
Verdict
Axis Reserve wins 5-4. Invitation-only super-premium — for ₹25L+/year spenders. AU Bank LIT is still the right call if india's first customizable card — choose your perks each month..
Side-by-side
| Criterion | Axis Reserve | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹50,000 | No annual fee |
| Joining fee | · ₹50,000 | None |
| Top reward rate | 5% (general) | · 1% (general) |
| Base reward rate | 5% | · 1% |
| Forex markup | No FX fee | · 1.99% |
| Welcome bonus | = 50,000 EDGE points + Taj Epicure membership | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹2,500,000 / yr | · N/A (no fee) |
| Min income | · ₹5,000,000 | ₹300,000 |
| Min credit score | · 820 | 730 |
| Editorial rating | 4.7/5 | · 4.3/5 |
Benefits compared
Axis Reserve
- 5 EDGE points per ₹100 (effectively 5%)
- Unlimited international + domestic lounge visits
- Taj Epicure + ITC Culinaire memberships
- Concierge 24x7 globally
- 0% forex markup on first ₹15L of FX/year
- Annual ₹25K vouchers at milestones
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 Reserve vs AU Bank LIT: which is better?
Axis Reserve 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 Reserve 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 Reserve: 50,000 EDGE points + Taj Epicure membership. AU Bank LIT: Customizable card features (toggle benefits on/off).