IDFC FIRST Wow vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IDFC FIRST Wow wins 3-1. Secured card backed by FD — accessible to thin-credit-file applicants. 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 Wow | AU Bank LIT |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 1.99% |
| Welcome bonus | = Lifetime free + 600 points on first transaction | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | — | · ₹300,000 |
| Min credit score | 600 | · 730 |
| Editorial rating | · 4/5 | 4.3/5 |
Benefits compared
IDFC FIRST Wow
- 1 reward point per ₹100 (no rate change cliff)
- Lifetime free, no annual fee
- 4 complimentary domestic lounge visits/quarter
- 1% fuel surcharge waiver
- Backed by FD: easy approval
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 Wow vs AU Bank LIT: which is better?
IDFC FIRST Wow wins on more dimensions (3 vs 1). 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 Wow 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 Wow: Lifetime free + 600 points on first transaction. AU Bank LIT: Customizable card features (toggle benefits on/off).