Standard Chartered Ultimate vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
AU Bank LIT wins 5-4. India's first customizable card — choose your perks each month. Standard Chartered Ultimate is still the right call if best general earn-rate at the ₹5k fee tier..
Side-by-side
| Criterion | Standard Chartered Ultimate | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹5,000 | No annual fee |
| Joining fee | · ₹5,000 | None |
| Top reward rate | 3.3% (general) | · 1% (general) |
| Base reward rate | 3.3% | · 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 6,000 reward points + ₹1,000 voucher | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹1,500,000 / yr | · N/A (no fee) |
| Min income | · ₹1,500,000 | ₹300,000 |
| Min credit score | · 780 | 730 |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
Standard Chartered Ultimate
- 5 reward points per ₹150 (effectively 3.3%)
- 4 complimentary international lounge visits/year
- BookMyShow buy-1-get-1
- 1% fuel surcharge waiver
- Comprehensive travel + purchase insurance
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 Ultimate vs AU Bank LIT: which is better?
AU Bank LIT wins on more dimensions (5 vs 4). 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 Standard Chartered Ultimate 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?
Standard Chartered Ultimate: 6,000 reward points + ₹1,000 voucher. AU Bank LIT: Customizable card features (toggle benefits on/off).