IDFC FIRST Select vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IDFC FIRST Select wins 3-2. Lifetime-free with surprisingly strong reward earn rates. AU Bank LIT is still the right call if india's first customizable card — choose your perks each month..
Side-by-side
| Criterion | IDFC FIRST Select | AU Bank LIT |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 10% (shopping) | · 1% (general) |
| Base reward rate | 3% | · 1% |
| Forex markup | = 1.99% | = 1.99% |
| Welcome bonus | = 600 reward points on ₹15K spend in first 90 days | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | · ₹600,000 | ₹300,000 |
| Min credit score | · 750 | 730 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
IDFC FIRST Select
- 10x reward points on ₹20K+ monthly spend
- 6x reward points on ₹20K below threshold
- 3x reward points on offline spend
- Lifetime free — no annual fee, ever
- 4 complimentary domestic + 2 international lounge visits per quarter
- 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
›IDFC FIRST Select vs AU Bank LIT: which is better?
IDFC FIRST Select wins on more dimensions (3 vs 2). 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 IDFC FIRST Select 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?
IDFC FIRST Select: 600 reward points on ₹15K spend in first 90 days. AU Bank LIT: Customizable card features (toggle benefits on/off).