Tata Neu Infinity HDFC 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. Tata Neu Infinity HDFC is still the right call if tata ecosystem users — croma, bigbasket, airasia, westside, taj.
Side-by-side
| Criterion | Tata Neu Infinity HDFC | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹1,499 | No annual fee |
| Joining fee | · ₹1,499 | None |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 1,499 NeuCoins on first spend (offsets joining fee) | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹300,000 / yr | · N/A (no fee) |
| Min income | · ₹600,000 | ₹300,000 |
| Min credit score | · 750 | 730 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
Tata Neu Infinity HDFC
- 5% NeuCoins on Tata Neu app & partner brands (Croma, BigBasket, Westside, AirAsia)
- 1.5% NeuCoins on UPI and other transactions
- 8 complimentary domestic + 4 international lounge visits / year
- 1 NeuCoin = ₹1, redeemable at any Tata brand
- 1% fuel surcharge waiver (₹500/month cap)
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
›Tata Neu Infinity HDFC 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 Tata Neu Infinity HDFC 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?
Tata Neu Infinity HDFC: 1,499 NeuCoins on first spend (offsets joining fee). AU Bank LIT: Customizable card features (toggle benefits on/off).