Head-to-head · 🇮🇳 India
HDFC MoneyBack+ vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC MoneyBack+
VISA
Wins 5 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 4 of 10
Verdict
HDFC MoneyBack+ wins 5-4. Entry-level cashback with very low waiver bar. AU Bank LIT is still the right call if india's first customizable card — choose your perks each month..
Side-by-side
| Criterion | HDFC MoneyBack+ | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹500 | No annual fee |
| Joining fee | · ₹500 | None |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | 2% | · 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 500 CashPoints on first transaction | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹50,000 / yr | · N/A (no fee) |
| Min income | ₹240,000 | · ₹300,000 |
| Min credit score | 720 | · 730 |
| Editorial rating | · 4.1/5 | 4.3/5 |
Benefits compared
HDFC MoneyBack+
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
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
›HDFC MoneyBack+ vs AU Bank LIT: which is better?
HDFC MoneyBack+ 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 HDFC MoneyBack+ 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?
HDFC MoneyBack+: 500 CashPoints on first transaction. AU Bank LIT: Customizable card features (toggle benefits on/off).