Head-to-head · 🇮🇳 India
HDFC Millennia vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 3 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 4 of 10
Verdict
AU Bank LIT wins 4-3. Pick-your-own-categories — toggle 5x on the categories you spend in. HDFC Millennia is still the right call if online shoppers spending ₹15k–50k/month.
Side-by-side
| Criterion | HDFC Millennia | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹1,000 | No annual fee |
| Joining fee | · ₹1,000 | None |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = Customizable category boosts at sign-up |
| Fee waiver threshold | ₹100,000 / yr | · N/A (no fee) |
| Min income | · ₹420,000 | ₹360,000 |
| Min credit score | · 750 | 720 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
HDFC Millennia
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
AU Bank LIT
- Customize 1 of 8 spend categories at any time
- 5x reward points on chosen category
- 1% fuel surcharge waiver
- 4 free domestic lounge visits/year
- No annual fee, ever
FAQ
›HDFC Millennia 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 HDFC Millennia for online shopping, AU Bank LIT for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Millennia: 1,000 CashPoints on ₹1,000 spend in first 90 days. AU Bank LIT: Customizable category boosts at sign-up.