Head-to-head · 🇮🇳 India
IRCTC SBI Premier vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
IRCTC SBI Premier
RuPay
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. IRCTC SBI Premier is still the right call if frequent rail travelers — 10% irctc train ticket value back..
Side-by-side
| Criterion | IRCTC SBI Premier | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹1,499 | No annual fee |
| Joining fee | · ₹1,499 | None |
| Top reward rate | 10% (travel) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 4% | 1.99% |
| Welcome bonus | = 1,500 IRCTC reward points | = 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 | 720 | · 730 |
| Editorial rating | · 4/5 | 4.3/5 |
Benefits compared
IRCTC SBI Premier
- 10% rewards on IRCTC train ticket bookings
- 4 reward points per ₹125 on dining + groceries
- Up to 5% railway lounge access discount
- 8 complimentary domestic airport lounge visits/year
- 4% forex markup (high — not for international)
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
›IRCTC SBI Premier 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 IRCTC SBI Premier 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?
IRCTC SBI Premier: 1,500 IRCTC reward points. AU Bank LIT: Customizable card features (toggle benefits on/off).