AU Bank LIT Credit Card VS SBM ZET Credit Card
Both AU Bank LIT Credit Card and SBM ZET Credit Card suit shopping-focused spenders, but they earn and cost differently. AU Bank LIT Credit Card is lifetime-free and earns base rate of 1 RP for every ₹100 spent; up to 10X rewards or 5% cashback with opt-in features. SBM ZET Credit Card is lifetime-free and earns ZCoins from 1% to 100% and direct discounts from 2.5% to 10% on transactions. AU Bank LIT Credit Card also brings 1 complimentary domestic lounge access per quarter (with paid feature of ₹399/90 days), while SBM ZET Credit Card counters with SBM Bank FD is insured up to ₹5 lakh by the DICGC under the DICGC Act 1961. If premium spending matters more, go with AU Bank LIT Credit Card; if shopping is the priority, SBM ZET Credit Card fits better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
AU Bank LIT Credit Card
SBM ZET Credit Card
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.
Great for credit building, 80% users see score improvement in 30 days.
Enjoy lifetime-free status with no joining or renewal fees ever.
Seamlessly make UPI payments across all apps, enhancing convenience.
Earn attractive interest rates of up to 7% on your linked Fixed Deposit.
Guaranteed 100% approval without needing income proof or credit history.
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.
Requires a Fixed Deposit as collateral, which might be a barrier for some users.
Specific reward categories and detailed redemption steps for ZCoins are not clearly outlined.
Does not offer specific travel, lounge access, or movie benefits.
Detailed list of other charges requires referring to external SBM Bank documents.