Head-to-head · 🇮🇳 India
IndusInd Pinnacle vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
IndusInd Bank
IndusInd Pinnacle
VISA
Wins 5 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 4 of 10
Verdict
IndusInd Pinnacle wins 5-4. High-end IndusInd offering — niche but well-regarded. AU Bank LIT is still the right call if india's first customizable card — choose your perks each month..
Side-by-side
| Criterion | IndusInd Pinnacle | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹12,999 | No annual fee |
| Joining fee | · ₹12,999 | None |
| Top reward rate | 2.5% (general) | · 1% (general) |
| Base reward rate | 2.5% | · 1% |
| Forex markup | 1.8% | · 1.99% |
| Welcome bonus | = Premium watch + 12,999 reward points | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹1,000,000 / yr | · N/A (no fee) |
| Min income | · ₹2,500,000 | ₹300,000 |
| Min credit score | · 800 | 730 |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
IndusInd Pinnacle
- 2.5 reward points per ₹100
- Unlimited domestic + 6 international lounge visits/quarter
- BMW Drive privilege
- Concierge + golf at 250+ courses
- 1.8% forex markup
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
›IndusInd Pinnacle vs AU Bank LIT: which is better?
IndusInd Pinnacle 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 IndusInd Pinnacle 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?
IndusInd Pinnacle: Premium watch + 12,999 reward points. AU Bank LIT: Customizable card features (toggle benefits on/off).