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AU Bank LIT Credit Card VS Canara Bank RuPay Select 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
Canara Bank RuPay Select Credit Card
Canara Bank RuPay Select 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 Waiver
Foreign Transaction Fees3.49%
Foreign Transaction FeesUpto 3% of the transaction amount.
Interest Rate (APR)3.75% Per Month (45% Per Annum)
Interest Rate (APR)2.50% per month (Annualized Percentage Rate 30%).

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 2 points for every ₹100 spent (PoS/e-commerce), each point valued at ₹0.25.
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback
Reward Redemption Fee₹99 + GST
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access1 complimentary airport lounge access every quarter (paid feature, ₹399 for 90 days).
Domestic Lounge Access2 complimentary access per quarter for self. Covers 30 Lounges across 11 cities in India.
International Lounge Access
International Lounge Access2 complimentary access per year for self. Covers 500+ Lounges across 300+ cities worldwide.
Travel BenefitsRedeem points for flights, hotels, buses. Paid domestic lounge access.
Travel BenefitsComplimentary domestic/international lounge access. 24X7 Concierge for hotel, dining, car rental, travel.
Movie BenefitsRedeem points for movie tickets. Paid 3 Months Zee5 Membership.
Movie Benefits
Dining Benefits
Dining Benefits5% cashback on eating places & restaurants, capped at ₹50 per month.
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% of transaction (min ₹10) + taxes. Max ₹100/month reimbursement on ₹2500+ spend.

Security & Other

Insurance Benefits
Insurance BenefitsComprehensive cover: Personal Accident (up to ₹8L), RuPay Insurance (₹10L), Lost Card Liability, Baggage & Purchase Protection.
Cash Advance Charges2.5% or ₹500, whichever is higher.
Cash Advance Charges3% of transaction (min ₹150 at Canara ATMs) or 3% of advance (min ₹30/₹1000) + finance charges.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Bank LIT Credit Card

Canara Bank RuPay Select 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 Canara Bank RuPay Select Credit Card is a lifetime free offering, ideal for new credit card users and those focused on shopping. It provides valuable benefits like complimentary domestic and international airport lounge access, comprehensive insurance coverage, and cashback on utility bills and dining. With a low interest rate and flexible reward redemption, it's a strong choice for everyday spending and travel 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 fee, making it highly accessible.

Offers complimentary domestic and international airport lounge access.

Provides comprehensive insurance benefits including accident and purchase cover.

Features a competitive low interest rate of 2.5% per month on outstanding balances.

Earns high reward points on transactions and allows encashment against outstanding.

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.

Lacks specific dining or entertainment benefits beyond general cashback offers.

The foreign currency markup fee of up to 3% is relatively high for international use.

An inactivity fee of ₹300 applies if annual card turnover is below ₹1,00,000.

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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