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AU Bank LIT Credit Card VS IDFC FIRST Wealth 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.

Features

AU Bank LIT Credit Card
AU Bank LIT Credit Card
IDFC FIRST Wealth Credit Card
IDFC FIRST Wealth Credit Card

Fees & Charges

Joining Fee
Nil
Nil
Renewal Fee
Nil
Nil
Spend Based Waiver
Not Applicable
Not Applicable
Foreign Transaction Fees
3.49% on all foreign currency spends.
1.5% (+ GST) on international transactions.
Interest Rate (APR)
3.59% per month (43.08% per annum).
Dynamic interest rates ranging from 8.5% to 46.2% per annum (0.75% to 3.5% per month).

Rewards & Benefits

Welcome Bonus
Not Applicable
₹500 gift voucher on spending ₹5,000 and 5% cashback (up to ₹1,000) on the first EMI transaction.
Rewards Rate
Base rate of 1 RP for every ₹100 spent; up to 10X rewards or 5% cashback with opt-in features.
10X points on spends above ₹20,000 and birthdays; 3X points on other spends; 1 point = ₹0.25.
Reward Type
Reward Points and Cashback
Reward Points
Reward Redemption Fee
₹99 + GST
₹99 + GST per redemption transaction.

Travel & Lifestyle

Domestic Lounge Access
1 complimentary domestic lounge access per quarter (with paid feature of ₹399/90 days).
2 complimentary domestic lounge visits per quarter (subject to ₹20,000 monthly spend).
International Lounge Access
Not Applicable
2 complimentary international lounge visits per quarter (subject to ₹20,000 monthly spend).
Travel Benefits
1 complimentary domestic lounge access quarterly (paid feature); redeem points for flights/hotels.
1.5% forex markup, trip cancellation cover, limousine discounts, and airport meet & greet service.
Movie Benefits
ZEE5 3-month membership available; reward points can be redeemed for movie tickets.
Buy-One-Get-One (BOGO) offer via District app, up to ₹250 off per ticket, twice per month.
Dining Benefits
Not Applicable
Up to 20% discount at 1,500+ restaurants and priority access via Visa Infinite privileges.
Golf Benefits
Reward points can be redeemed for booking golf sessions across India.
Up to 2 complimentary golf rounds or lessons monthly upon spending over ₹20,000 in a cycle.
Fuel Surcharge Waiver
1% waiver on all fuel transactions ranging from ₹400 to ₹5,000 (opt-in feature, ₹49 for 90 days).
1% waiver on transactions between ₹200 and ₹5,000 (capped at ₹400 per month).

Security & Other

Insurance Benefits
Not Applicable
₹1 Crore air accident cover, ₹10 Lakh personal accident cover, and USD 1,200 travel insurance.
Cash Advance Charges
2.5% or ₹100, whichever is higher.
₹199 + GST per transaction with 0% interest for up to 45 days.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Bank LIT Credit Card

IDFC FIRST Wealth Credit Card

Who is it for?

The AU Bank LIT Credit Card is India's first customizable credit card, offering cardholders the unique freedom to select the features and benefits they desire, and pay only for what they use. It's lifetime free with no joining or annual fees, managed in real-time via the AU 0101 App. This innovative card consolidates a wide array of benefits including reward points, cashbacks, and exclusive memberships, providing unparalleled flexibility for diverse spending needs.

Who is it for?

The IDFC FIRST Wealth Credit Card is a premium lifetime-free card offering a unique dynamic interest rate starting at 8.5% and a low 1.5% forex markup. It features comprehensive luxury benefits including global lounge access, complimentary golf, and a robust reward program with points that never expire, making it an ideal choice for high-income earners seeking lifestyle and travel privileges.

Pros

Key benefits and features.

India's first customizable credit card, allowing tailored features & pricing.

Lifetime free with no joining or annual fees, making it cost-effective.

Features can be switched on/off and managed in real-time via the mobile app.

Offers diverse benefits like lounge access, memberships, fuel waiver, cashbacks, and 5X/10X rewards.

Clear pricing and conditions for each feature, with easy tracking through the app.

Pros

Key benefits and features.

Lifetime-free credit card with no joining or annual membership charges forever.

Extremely low foreign currency markup of 1.5% for international transactions.

Interest-free cash withdrawals for up to 45 days providing excellent liquidity.

Comprehensive air accident cover of ₹1 crore and diverse travel insurance benefits.

Premium lifestyle perks including complimentary golf rounds and BOGO movie tickets.

Cons

Key drawbacks and limitations.

Specific benefits have additional fees for limited periods, requiring careful cost management.

Features auto-renew by default; users must disable to avoid unintended charges.

Some membership benefits have minimum spend thresholds to avoid penalties.

Unused benefits such as lounge access have fixed validity and cannot be carried forward.

Cons

Key drawbacks and limitations.

Low monetary value for reward points fixed at a base rate of ₹0.25 per point.

Lounge and golf access are restricted by a monthly spend requirement of ₹20,000.

High income eligibility requirement of ₹36 Lakhs per annum for prospective applicants.

Ready to Choose?

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