Head-to-head · 🇮🇳 India
SBI Cashback vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Cashback
VISA
Wins 3 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 3 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 Cashback | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹999 | No annual fee |
| Joining fee | · ₹999 | None |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Cashback offsets joining fee on first ₹999+ spend | = Customizable category boosts at sign-up |
| Fee waiver threshold | ₹200,000 / yr | · N/A (no fee) |
| Min income | = ₹360,000 | = ₹360,000 |
| Min credit score | · 750 | 720 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
SBI Cashback
- 5% cashback on ALL online spends (not just listed merchants) — capped ₹5,000/month
- 1% cashback on offline spends
- Auto-credited within 2 days of statement
- 1% fuel surcharge waiver
AU Bank LIT
- Customize 1 of 8 spend categories at any time
- 5x reward points on chosen category
- 1% fuel surcharge waiver
- 4 free domestic lounge visits/year
- No annual fee, ever
FAQ
›SBI Cashback vs AU Bank LIT: which is better?
It's a true tie — pick the one whose boost categories match your spend. SBI Cashback wins on 3 criteria, AU Bank LIT on 3.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use SBI Cashback for online shopping, AU Bank LIT for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI Cashback: Cashback offsets joining fee on first ₹999+ spend. AU Bank LIT: Customizable category boosts at sign-up.