Head-to-head · 🇮🇳 India
Kotak White Reserve vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
Kotak Mahindra Bank
Kotak White Reserve
VISA
Wins 4 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 4 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Kotak White Reserve | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹3,000 | No annual fee |
| Joining fee | · ₹3,000 | None |
| Top reward rate | 4% (dining) | · 1% (general) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = 1.99% | = 1.99% |
| Welcome bonus | = 5,000 reward points + Marriott Bonvoy Silver Elite | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹600,000 / yr | · N/A (no fee) |
| Min income | · ₹1,800,000 | ₹300,000 |
| Min credit score | · 780 | 730 |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
Kotak White Reserve
- 4 reward points/₹100 on dining + travel
- 6 international Priority Pass visits/year
- 24 domestic lounge visits/year (DragonPass)
- Marriott Bonvoy Silver Elite included
- 1.99% 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
›Kotak White Reserve vs AU Bank LIT: which is better?
It's a true tie — pick the one whose boost categories match your spend. Kotak White Reserve wins on 4 criteria, AU Bank LIT on 4.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Kotak White Reserve 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?
Kotak White Reserve: 5,000 reward points + Marriott Bonvoy Silver Elite. AU Bank LIT: Customizable card features (toggle benefits on/off).