Head-to-head · 🇮🇳 India
SBI Aurum vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
SBI Card
SBI Aurum
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 | SBI Aurum | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹9,999 | No annual fee |
| Joining fee | · ₹9,999 | None |
| Top reward rate | 4% (general) | · 1% (general) |
| Base reward rate | 4% | · 1% |
| Forex markup | = 1.99% | = 1.99% |
| Welcome bonus | = 10,000 reward points + ₹10,000 brand voucher | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹1,500,000 / yr | · N/A (no fee) |
| Min income | · ₹3,500,000 | ₹300,000 |
| Min credit score | · 800 | 730 |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
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
›SBI Aurum vs AU Bank LIT: which is better?
It's a true tie — pick the one whose boost categories match your spend. SBI Aurum 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 SBI Aurum 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?
SBI Aurum: 10,000 reward points + ₹10,000 brand voucher. AU Bank LIT: Customizable card features (toggle benefits on/off).