Head-to-head · 🇮🇳 India
HDFC Swiggy vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Swiggy
Wins 3 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 5 of 10
Verdict
AU Bank LIT wins 5-3. India's first customizable card — choose your perks each month. HDFC Swiggy is still the right call if heavy swiggy/instamart users — 10% on the platform tops anything else..
Side-by-side
| Criterion | HDFC Swiggy | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹500 | No annual fee |
| Joining fee | · ₹500 | None |
| Top reward rate | 10% (dining) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 3-month Swiggy One membership (₹1,499 value) | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹200,000 / yr | · N/A (no fee) |
| Min income | · ₹360,000 | ₹300,000 |
| Min credit score | · 740 | 730 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
HDFC Swiggy
- 10% cashback on Swiggy (food, Instamart, Genie, Dineout)
- 5% cashback on online MCC merchants (Amazon, Flipkart, Myntra)
- 1% cashback on other spends
- Cashback auto-credited as Swiggy Money
- 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
›HDFC Swiggy vs AU Bank LIT: which is better?
AU Bank LIT wins on more dimensions (5 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 Swiggy 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 Swiggy: 3-month Swiggy One membership (₹1,499 value). AU Bank LIT: Customizable card features (toggle benefits on/off).