Head-to-head · 🇮🇳 India
Flipkart Axis Bank vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Axis Bank
Flipkart Axis Bank
Wins 4 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 4 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 | Flipkart Axis Bank | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹500 | No annual fee |
| Joining fee | · ₹500 | None |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹350,000 / yr | · N/A (no fee) |
| Min income | · ₹360,000 | ₹300,000 |
| Min credit score | = 730 | = 730 |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
Flipkart Axis Bank
- 5% cashback on Flipkart, Myntra, 2GUD
- 4% cashback on Cleartrip, Swiggy, Uber, PVR, Cult.fit
- 1.5% cashback on every other transaction
- 4 complimentary domestic 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
›Flipkart Axis Bank vs AU Bank LIT: which is better?
It's a true tie — pick the one whose boost categories match your spend. Flipkart Axis Bank wins on 4 criteria, AU Bank LIT on 4.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Flipkart Axis Bank 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?
Flipkart Axis Bank: ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days. AU Bank LIT: Customizable card features (toggle benefits on/off).