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AU Bank LIT Credit Card VS AU Fi Magnifi Credit Card VS Bank of Baroda VIKRAM Credit Card VS Federal Bank Imperio Credit Card

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 September 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 Fi Magnifi Credit Card
AU Fi Magnifi Credit Card
Bank of Baroda VIKRAM Credit Card
Bank of Baroda VIKRAM Credit Card
Federal Bank Imperio Credit Card
Federal Bank Imperio Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based WaiverNot applicable as the card is Lifetime Free.
Spend Based Waiver
Spend Based Waiver
Spend Based Waiver
Foreign Transaction Fees3.49%
Foreign Transaction Fees3.49%
Foreign Transaction Fees
Foreign Transaction Fees3.5% of the transacted amount.
Interest Rate (APR)3.75% Per Month (45% Per Annum)
Interest Rate (APR)3.75% per month (45% per annum)
Interest Rate (APR)Up to 50 days of interest-free credit from the date of purchase.
Interest Rate (APR)Dynamic rates from 1.99% per month (23.88% p.a.) to 3.75% per month (45% p.a.), linked to AMB.

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Welcome BonusComplimentary 3-month JioHotstar subscription on first transaction within 30 days, plus 500 Reward Points on spending ₹5,000 within 60 days.
Welcome BonusReceive an Amazon Pay e-Voucher worth ₹400 upon spending ₹5,000 within the first 30 days.
Rewards Rate1 Reward Point for every ₹100 spent on retail transactions. Paid features offer 5x/10x points.
Rewards RateUp to 5% back on weekend spends (20 Fi Points/₹100); 0.5% back on weekday spends.
Rewards Rate1 Reward Point per ₹100 on regular spends; 5X points (5 per ₹100) on movies and departmental stores, capped at 1,000 points/month.
Rewards Rate3 Reward Points for every ₹150 on groceries/healthcare, 2 points on utilities, 1 point on others.
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback, Air Miles, Other Benefits
Reward TypeCashback
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee
Reward Redemption Fee
Reward Redemption Fee₹99 per redemption request (minimum). Actual fee displayed at redemption.

Travel & Lifestyle

Domestic Lounge Access1 complimentary airport lounge access every quarter (paid feature, ₹399 for 90 days).
Domestic Lounge Access
Domestic Lounge Access
Domestic Lounge AccessEnjoy 2 complimentary domestic airport lounge accesses every quarter, totaling 8 per year.
International Lounge Access
International Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsRedeem points for flights, hotels, buses. Paid domestic lounge access.
Travel BenefitsFi Points can be redeemed for travel bookings & air miles, but not optimized for travel.
Travel Benefits
Travel Benefits
Movie BenefitsRedeem points for movie tickets. Paid 3 Months Zee5 Membership.
Movie Benefits20% off (up to ₹100) on BookMyShow once a month on weekends.
Movie BenefitsEarn 5X Reward Points (5 per ₹100) on movie spends, capped at 1,000 points per month.
Movie BenefitsBuy 1 Get 1 Free offer on movie tickets with INOX (and BookMyShow) once every quarter, up to ₹100.
Dining Benefits
Dining Benefits20 Fi Points per ₹100 on weekend dining; 20% off (up to ₹100) on Zomato once a month.
Dining Benefits
Dining BenefitsAccess fabulous dining offers at partner hotels through the FedDelights program, up to 15% discounts.
Golf BenefitsBook Golf sessions at golf courses across India (via redemption).
Golf Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹400-₹5,000 (paid feature, ₹49 for 90 days).
Fuel Surcharge Waiver
Fuel Surcharge Waiver1% fuel surcharge waiver at all fuel stations on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle. GST not reversed.
Fuel Surcharge Waiver1% fuel surcharge waiver at all fuel stations across India.

Security & Other

Insurance Benefits
Insurance Benefits
Insurance BenefitsFree personal accidental death cover of ₹20,00,000 (Air / non-air).
Insurance Benefits
Cash Advance Charges2.5% or ₹500, whichever is higher.
Cash Advance Charges2.5% (min. ₹500)
Cash Advance Charges
Cash Advance Charges2.5% of the amount withdrawn 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 Fi Magnifi Credit Card

Bank of Baroda VIKRAM Credit Card

Federal Bank Imperio 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 Fi Magnifi Credit Card, co-created by AU Small Finance Bank and Fi Money, is an entry-level, lifetime-free credit card. It uniquely rewards consumers with high points on weekend transactions and offers specific discounts on popular online platforms. With a zero-fee structure and a day-based reward system, it provides significant value for everyday weekend spending, making it ideal for young professionals and first-time cardholders.

Who is it for?

The Bank of Baroda VIKRAM Credit Card is a lifetime-free card designed exclusively for Indian Defence Forces personnel. It offers a simple rewards structure with 5X points on movies and departmental stores, a 1% fuel surcharge waiver, and a complimentary JioHotstar subscription as a welcome gift. With zero joining or annual fees and a free personal accident insurance cover, it is an ideal no-cost entry-level card for defence personnel seeking basic credit card benefits.

Who is it for?

The Federal Bank Imperio Credit Card is a lifetime free offering designed for family-oriented individuals, available on both Visa and Mastercard networks. It provides significant value with accelerated rewards on essential categories like groceries and healthcare. Cardholders also enjoy complimentary domestic airport lounge access, Buy 1 Get 1 Free movie tickets, and milestone benefits. This card is a strong contender in the entry-to-mid-range segment for those prioritizing household expenses and lifestyle perks.

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 no joining or annual fees, making it easy to maintain.

High reward rate of up to 5% (20 Fi Points/₹100) on weekend spending.

Provides valuable 20% discounts on Amazon, Zepto, Zomato, and BookMyShow.

An excellent entry-level card for building credit history and saving money.

Pros

Key benefits and features.

Lifetime free with no joining or annual fees, making it a zero-cost credit card.

1% fuel surcharge waiver across all fuel stations in India.

Free personal accidental death cover of ₹20,00,000 for financial protection.

Complimentary 3-month JioHotstar subscription as a welcome benefit.

Pros

Key benefits and features.

The card is a lifetime free credit card with zero joining and annual charges.

Strong reward earning potential on essential family spending categories like groceries and healthcare.

Includes valuable entertainment benefits like B1G1 movie tickets and milestone vouchers.

Offers 2 complimentary domestic airport lounge accesses every quarter, enhancing travel comfort.

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.

Weekday Fi points earning is capped at 2,000 per statement cycle.

Weekend discounts are capped at ₹100, require min. ₹500 spend, and are monthly.

Lacks airport lounge access and other premium travel or lifestyle benefits.

High foreign currency markup of 3.49% makes it unsuitable for international use.

Cons

Key drawbacks and limitations.

5X rewards are capped at a low 1,000 points per month, limiting accelerated earnings.

No airport lounge access or golf benefits, reducing travel and lifestyle appeal.

Fuel transactions do not earn any reward points.

The fuel surcharge waiver is capped at ₹250 per statement cycle.

Cons

Key drawbacks and limitations.

Does not provide complimentary international airport lounge access, limiting global travel perks.

Foreign currency markup of 3.5% is relatively high for international transactions.

Reward redemption incurs a fee of ₹99, which can reduce the overall value of points.

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.
Apply for AU Bank LIT Credit Card(opens in new tab)Apply for AU Fi Magnifi Credit Card(opens in new tab)Apply for Bank of Baroda VIKRAM Credit Card(opens in new tab)Apply for Federal Bank Imperio Credit Card(opens in new tab)