Head-to-head · 🇮🇳 India
SBI ELITE vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
SBI Card
SBI ELITE
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 ELITE | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹4,999 | No annual fee |
| Joining fee | · ₹4,999 | None |
| Top reward rate | 2% (general) | · 1% (general) |
| Base reward rate | 2% | · 1% |
| Forex markup | = 1.99% | = 1.99% |
| Welcome bonus | = 5,000 bonus reward points + ₹5,000 e-gift voucher | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹1,000,000 / yr | · N/A (no fee) |
| Min income | · ₹600,000 | ₹300,000 |
| Min credit score | · 770 | 730 |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
SBI ELITE
- 2 reward points per ₹100
- Free movie tickets (BookMyShow) up to ₹6K/year
- 6 international + 8 domestic lounge visits/year
- Club Vistara Silver + Trident Privilege Red
- Milestone benefits at ₹3L, ₹4L, ₹5L
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 ELITE vs AU Bank LIT: which is better?
It's a true tie — pick the one whose boost categories match your spend. SBI ELITE 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 ELITE 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 ELITE: 5,000 bonus reward points + ₹5,000 e-gift voucher. AU Bank LIT: Customizable card features (toggle benefits on/off).