SBI Cashback vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
AU Bank LIT wins 5-3. India's first customizable card — choose your perks each month. SBI Cashback is still the right call if pure online cashback — 5% on any online merchant, no partner restrictions..
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% | 1.99% |
| Welcome bonus | = Cashback offsets joining fee on first ₹999+ spend | = 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 | · 750 | 730 |
| Editorial rating | 4.6/5 | · 4.3/5 |
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
- 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 Cashback 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 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 card features (toggle benefits on/off).