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

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹249 + GST
Renewal FeeLifetime Free
Renewal Fee₹249 + GST
Spend Based WaiverNot applicable as the card is Lifetime Free.
Spend Based WaiverAnnual fee waiver on spends of ₹1 Lakh or more.
Foreign Transaction Fees3.49%
Foreign Transaction Fees3.49% of the total transaction amount.
Interest Rate (APR)3.75% Per Month (45% Per Annum)
Interest Rate (APR)3.75% per month (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 RateEarn up to 15 RP on Rs. 100 on select categories; 3 RP on retail; 2x RP on retail (1st-5th monthly).
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge Access1 complimentary airport lounge access every quarter (paid feature, ₹399 for 90 days).
Domestic Lounge Access2 complimentary railway lounge accesses per quarter (8 annually) in select Indian cities.
International Lounge Access
International Lounge Access
Travel BenefitsRedeem points for flights, hotels, buses. Paid domestic lounge access.
Travel BenefitsComplimentary railway lounge access (2 per quarter, 8 annually) in select Indian cities.
Movie BenefitsRedeem points for movie tickets. Paid 3 Months Zee5 Membership.
Movie BenefitsEarn 15 Reward Points on every Rs. 100 spent on movies.
Dining Benefits
Dining BenefitsEarn 15 Reward Points on dining and up to 30% discount at 300+ partnered 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 spends (₹400-₹5,000), capped at ₹250 per month.

Security & Other

Insurance Benefits
Insurance BenefitsComplimentary mobile device protection plan and 1-year extended warranty on select electronics.
Cash Advance Charges2.5% or ₹500, whichever is higher.
Cash Advance Charges2.5% of withdrawn amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Bank LIT Credit Card

AU Bank Xcite 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 Credit Card is an entry-level offering designed for individuals looking to upgrade their existing credit cards via the SwipeUp platform. It provides a compelling package of rewards, offering up to 15 Reward Points on everyday spending categories like dining, movies, and groceries. Cardholders also benefit from complimentary railway lounge access, a device protection plan, and attractive dining discounts. With a reasonable annual fee waiver condition, it's a rewarding option for daily expenses and shopping.

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.

Earn up to 15 Reward Points on every Rs. 100 spent on groceries, dining, and movies.

Enjoy complimentary railway lounge access, providing convenience for domestic travel.

Benefit from a free device protection plan and extended warranty on electronics.

Get up to 30% discount on dining at a wide network of partnered restaurants.

Annual fee is easily waived by spending ₹1 Lakh or more in a card anniversary year.

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.

Reward points are not applicable on fuel and wallet transactions, limiting earning potential.

A foreign currency markup of 3.49% makes international spending less attractive.

Railway lounge access is restricted to a few selected cities in India.

The reward redemption value of 1 Reward Point = Re. 0.25 is relatively modest.

The card has a joining and annual fee, despite a contradictory "lifetime free" mention.

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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