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AU Bank LIT Credit Card VS SBM ZET 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
SBM ZET Credit Card
SBM ZET Credit Card

Fees & Charges

Joining Fee
Nil
Nil
Renewal Fee
Nil
Nil
Spend Based Waiver
Not Applicable
Foreign Transaction Fees
3.49% on all foreign currency spends.
Interest Rate (APR)
3.59% per month (43.08% per annum).
Enjoy a 45-day interest-free credit period on UPI payments.

Rewards & Benefits

Welcome Bonus
Not Applicable
Rewards Rate
Base rate of 1 RP for every ₹100 spent; up to 10X rewards or 5% cashback with opt-in features.
Earn ZCoins from 1% to 100% and direct discounts from 2.5% to 10% on transactions.
Reward Type
Reward Points and Cashback
Reward Points & Cashback
Reward Redemption Fee
₹99 + GST

Travel & Lifestyle

Domestic Lounge Access
1 complimentary domestic lounge access per quarter (with paid feature of ₹399/90 days).
International Lounge Access
Not Applicable
Travel Benefits
1 complimentary domestic lounge access quarterly (paid feature); redeem points for flights/hotels.
Movie Benefits
ZEE5 3-month membership available; reward points can be redeemed for movie tickets.
Dining Benefits
Not Applicable
Golf Benefits
Reward points can be redeemed for booking golf sessions across India.
Fuel Surcharge Waiver
1% waiver on all fuel transactions ranging from ₹400 to ₹5,000 (opt-in feature, ₹49 for 90 days).

Security & Other

Insurance Benefits
Not Applicable
SBM Bank FD is insured up to ₹5 lakh by the DICGC under the DICGC Act 1961.
Cash Advance Charges
2.5% or ₹100, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Bank LIT Credit Card

SBM ZET 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 SBM ZET Credit Card is an FD-backed, lifetime-free card designed for credit building, offering 100% guaranteed approval without income proof or credit history. It supports UPI payments and allows users to earn up to 7% interest on their linked Fixed Deposit. Ideal for first-time credit users or those aiming to improve their credit score, it provides exclusive discounts and brand vouchers. This card is a strong choice for financial growth and credit diversification.

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.

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.

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.

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.

Ready to Choose?

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