AU Bank LIT Credit Card VS AU Fi Magnifi Credit Card VS Bank of Baroda VIKRAM Credit Card VS Federal Bank Imperio Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
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?
Who is it for?
Who is it for?
Who is it for?
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.
Enjoy a lifetime free credit card with no joining or annual renewal fees.
Earn accelerated reward points on essential family spends like groceries and utilities.
Benefit from complimentary domestic airport lounge access for comfortable travel.
Get Buy One Get One offers on INOX movie tickets, perfect for entertainment.
Receive valuable Big Basket vouchers upon reaching quarterly spending milestones.
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.
A nominal convenience fee of ₹99 is charged for each reward redemption request.
The card has a relatively high foreign currency markup of 3.5% on international spends.
Interest rates are dynamic and can be as high as 45% p.a. based on AMB.
Lounge access is limited to domestic airports only, with no international benefits.
Specific dining and general travel benefits beyond lounge access are not detailed.