Head-to-head · 🇮🇳 India
SBI IRCTC Premier vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI IRCTC Premier
VISA
Wins 3 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 5 of 10
Verdict
AU Bank LIT wins 5-3. India's first customizable card — choose your perks each month. SBI IRCTC Premier is still the right call if heavy irctc train booking users..
Side-by-side
| Criterion | SBI IRCTC Premier | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹1,499 | No annual fee |
| Joining fee | · ₹1,499 | None |
| Top reward rate | 10% (travel) | · 1% (general) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 1,500 reward points + waived first-year fee on ₹1L spend | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹200,000 / yr | · N/A (no fee) |
| Min income | = ₹300,000 | = ₹300,000 |
| Min credit score | · 740 | 730 |
| Editorial rating | · 3.9/5 | 4.3/5 |
Benefits compared
SBI IRCTC Premier
- 10% IRCTC reward points on train ticket bookings
- 1.25% on other spends
- 4 IRCTC lounge visits/year
- 1% transaction fee waiver on IRCTC site
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 IRCTC Premier 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 IRCTC Premier 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 IRCTC Premier: 1,500 reward points + waived first-year fee on ₹1L spend. AU Bank LIT: Customizable card features (toggle benefits on/off).