Head-to-head · 🇮🇳 India
SBI Prime vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Prime
Wins 3 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 6 of 10
Verdict
AU Bank LIT wins 6-3. India's first customizable card — choose your perks each month. SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | SBI Prime | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹2,999 | No annual fee |
| Joining fee | · ₹2,999 | None |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹300,000 / yr | · N/A (no fee) |
| Min income | · ₹480,000 | ₹300,000 |
| Min credit score | · 750 | 730 |
| Editorial rating | · 4.2/5 | 4.3/5 |
Benefits compared
SBI Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
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 Prime vs AU Bank LIT: which is better?
AU Bank LIT wins on more dimensions (6 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 Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra). AU Bank LIT: Customizable card features (toggle benefits on/off).