Head-to-head · 🇮🇳 India
HDFC Smart Pay vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Smart Pay
Wins 3 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 4 of 10
Verdict
AU Bank LIT wins 4-3. India's first customizable card — choose your perks each month. HDFC Smart Pay is still the right call if lowest-fee credit card from hdfc — utility-only..
Side-by-side
| Criterion | HDFC Smart Pay | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹199 | No annual fee |
| Joining fee | · ₹199 | None |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 500 CashPoints on activation | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹20,000 / yr | · N/A (no fee) |
| Min income | ₹180,000 | · ₹300,000 |
| Min credit score | 700 | · 730 |
| Editorial rating | · 3.8/5 | 4.3/5 |
Benefits compared
HDFC Smart Pay
- 1 CashPoint per ₹150 on retail
- 1% fuel surcharge waiver
- Auto-pay reminders
- Contactless payments
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 Smart Pay 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 Smart Pay 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 Smart Pay: 500 CashPoints on activation. AU Bank LIT: Customizable card features (toggle benefits on/off).