Head-to-head · 🇮🇳 India
Standard Chartered Smart vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Standard Chartered
Standard Chartered Smart
VISA
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 | Standard Chartered Smart | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹499 | No annual fee |
| Joining fee | · ₹499 | None |
| Top reward rate | 2% (shopping) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = ₹500 Amazon voucher on first 30-day spend | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹120,000 / yr | · N/A (no fee) |
| Min income | ₹250,000 | · ₹300,000 |
| Min credit score | 720 | · 730 |
| Editorial rating | · 4/5 | 4.3/5 |
Benefits compared
Standard Chartered Smart
- 2% cashback on online spends (capped at ₹100/month)
- 1% cashback on offline + bill payments
- 1% fuel surcharge waiver
- Up to 15% off on partner restaurants (EazyDiner)
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
›Standard Chartered Smart vs AU Bank LIT: which is better?
It's a true tie — pick the one whose boost categories match your spend. Standard Chartered Smart 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 Standard Chartered Smart 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?
Standard Chartered Smart: ₹500 Amazon voucher on first 30-day spend. AU Bank LIT: Customizable card features (toggle benefits on/off).