Axis Vistara Signature vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
AU Bank LIT wins 6-2. India's first customizable card — choose your perks each month. Axis Vistara Signature is still the right call if domestic flyers (vistara was acquired by air india — points convert)..
Side-by-side
| Criterion | Axis Vistara Signature | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹3,000 | No annual fee |
| Joining fee | · ₹3,000 | None |
| Top reward rate | 5% (travel) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Vistara Premium Economy ticket on joining | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹750,000 / yr | · N/A (no fee) |
| Min income | · ₹600,000 | ₹300,000 |
| Min credit score | · 750 | 730 |
| Editorial rating | · 4.2/5 | 4.3/5 |
Benefits compared
Axis Vistara Signature
- 5 CV points per ₹200 on travel
- Premium Economy class ticket on joining
- Premium Economy class ticket on ₹4.5L spend
- 8 domestic lounge visits/year
- Club Vistara Silver tier on joining
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 Vistara Signature vs AU Bank LIT: which is better?
AU Bank LIT wins on more dimensions (6 vs 2). 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 Vistara Signature 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 Vistara Signature: Vistara Premium Economy ticket on joining. AU Bank LIT: Customizable card features (toggle benefits on/off).