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AU Bank LIT Credit Card VS AU Bank Xcite Ace Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026
Lifetime FREE

CheQ AU Credit Card

Zero Fees. More Rewards

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CheQ AU Credit Card
AU Bank LIT Credit Card
AU Bank LIT Credit Card
AU Bank Xcite Ace Credit Card
AU Bank Xcite Ace Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based WaiverNot applicable as the card is Lifetime Free.
Spend Based WaiverAnnual Fee Waiver on Spends of ₹2 Lakh or More.
Foreign Transaction Fees3.49%
Foreign Transaction Fees3.49% of the total amount
Interest Rate (APR)3.75% Per Month (45% Per Annum)
Interest Rate (APR)3.75% Per Month, i.e., 45% Annually

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Rewards Rate1 Reward Point for every ₹100 spent on retail transactions. Paid features offer 5x/10x points.
Rewards Rate3% cashback on net monthly spends worth Rs. 20,000 or more. 2% on Rs. 12,500+, 1% on Rs. 7,500+.
Reward TypeReward Points, Cashback
Reward TypeCashback
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access1 complimentary airport lounge access every quarter (paid feature, ₹399 for 90 days).
Domestic Lounge Access2 complimentary domestic airport lounge visits every quarter (total 8 free visits annually).
International Lounge Access
International Lounge Access
Travel BenefitsRedeem points for flights, hotels, buses. Paid domestic lounge access.
Travel Benefits2 complimentary domestic airport lounge visits and 2 railway lounge access every quarter.
Movie BenefitsRedeem points for movie tickets. Paid 3 Months Zee5 Membership.
Movie Benefits
Dining Benefits
Dining BenefitsUp to 30% discount on dining across more than 300 restaurants.
Golf BenefitsBook Golf sessions at golf courses across India (via redemption).
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹400-₹5,000 (paid feature, ₹49 for 90 days).
Fuel Surcharge Waiver1% waiver on fuel transactions (Rs. 400-5,000), capped at Rs. 250 per month.

Security & Other

Insurance Benefits
Insurance BenefitsPersonal accident cover worth Rs. 50 lakhs, Credit shield cover, Purchase protection, Travel insurance.
Cash Advance Charges2.5% or ₹500, whichever is higher.
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum of ₹100.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Bank LIT Credit Card

AU Bank Xcite Ace Credit Card

Who is it for?

The AU Bank LIT Credit Card is India's first customizable credit card, offering unparalleled flexibility to choose and pay for specific features like accelerated rewards, cashback, and memberships. It's a Lifetime Free card, eliminating annual fees and allowing users to tailor their benefits via the AU 0101 App. Ideal for individuals who seek control over their credit card experience and prefer not to pay for unused perks, it covers a wide range of lifestyle and spending needs.

Who is it for?

The AU Bank Xcite Ace Credit Card is a lifetime-free card offering enhanced cashback up to 3% and a higher credit limit. It provides significant travel privileges, including complimentary domestic airport and railway lounge access, along with comprehensive insurance covers. Ideal for individuals seeking an upgrade with strong benefits in travel, shopping, and dining, it also includes a free device protection plan and substantial dining discounts.

Pros

Key benefits and features.

Highly customizable, allowing users to select and pay for desired features.

Lifetime Free status eliminates annual fees, saving costs on unused benefits.

Offers diverse paid features like accelerated rewards, cashback, and memberships.

Flexibility to activate/deactivate benefits via the AU 0101 App as per need.

Pros

Key benefits and features.

Lifetime free card with zero annual membership fee, offering great value.

Enjoy up to 3% cashback on spends, directly adjusted against your outstanding balance.

Complimentary domestic airport and railway lounge access enhances travel experiences.

Comprehensive insurance benefits provide financial security and purchase protection.

Significant dining discounts and a free device protection plan add lifestyle perks.

Cons

Key drawbacks and limitations.

Users must pay for most premium benefits, increasing overall cost if many are chosen.

Requires active management via app to select/deactivate features and avoid auto-renewal.

Penalty fees apply for not meeting spend targets for certain paid memberships.

Unused lounge access and other paid features expire, cannot be carried forward.

Cons

Key drawbacks and limitations.

Cashback is capped at Rs. 750 per statement cycle, limiting high spenders.

Certain transactions like rent and fuel are ineligible for cashback earnings.

Foreign currency markup of 3.49% is relatively high for international usage.

High interest rate of 45% annually if balances are not paid in full.

Lounge access requires a minimum spend of ₹20,000 each quarter to be eligible.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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