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AU Bank LIT Credit Card VS YES Bank BYOC 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

Both AU Bank LIT Credit Card and YES Bank BYOC Credit Card suit shopping-focused spenders, but they earn and cost differently. AU Bank LIT Credit Card is lifetime-free and earns 1 Reward Point for every ₹100 spent on retail transactions. Paid features offer 5x/10x points. YES Bank BYOC Credit Card costs ₹49 + GST and earns 1% cashback on all retail spends or 8 Reward Points on every Rs. 200 spent. AU Bank LIT Credit Card also brings 1 complimentary airport lounge access every quarter (paid feature, ₹399 for 90 days), while YES Bank BYOC Credit Card counters with 1 complimentary domestic airport lounge access every quarter (4 times every year). Weigh the fee against the reward rate above to see which fits your spending pattern better.

AU Bank LIT Credit Card
AU Bank LIT Credit Card
YES Bank BYOC Credit Card
YES Bank BYOC Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹49 + GST
Renewal FeeLifetime Free
Renewal Fee₹49 + GST
Spend Based WaiverNot applicable as the card is Lifetime Free.
Spend Based Waiver1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000.
Foreign Transaction Fees3.49%
Foreign Transaction Fees3.5% of the total transaction amount
Interest Rate (APR)3.75% Per Month (45% Per Annum)
Interest Rate (APR)3.80% per month

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Rewards Rate1 Reward Point for every ₹100 spent on retail transactions. Paid features offer 5x/10x points.
Rewards Rate1% cashback on all retail spends or 8 Reward Points on every Rs. 200 spent.
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback
Reward Redemption Fee₹99 + GST
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access1 complimentary airport lounge access every quarter (paid feature, ₹399 for 90 days).
Domestic Lounge Access1 complimentary domestic airport lounge access every quarter (4 times every year).
International Lounge Access
International Lounge Access
Travel BenefitsRedeem points for flights, hotels, buses. Paid domestic lounge access.
Travel Benefits1 complimentary domestic airport lounge access every quarter.
Movie BenefitsRedeem points for movie tickets. Paid 3 Months Zee5 Membership.
Movie BenefitsAccelerated cashback on BookMyShow via optional plans.
Dining Benefits
Dining BenefitsAccelerated cashback on Swiggy via optional plans.
Golf BenefitsBook Golf sessions at golf courses across India (via redemption).
Golf Benefits4 complimentary rounds of golf every year and 1 complimentary golf lesson each calendar month.
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹400-₹5,000 (paid feature, ₹49 for 90 days).
Fuel Surcharge Waiver1% surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% or ₹500, whichever is higher.
Cash Advance Charges2.5% of the withdrawn amount, subject to a minimum of Rs. 300.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Bank LIT Credit Card

YES Bank BYOC 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 YES Bank BYOC Credit Card is a highly customizable credit card that allows cardholders to personalize both its physical appearance and their rewards plan. It offers the flexibility to choose between a cashback or reward points program, along with optional accelerated cashback on popular merchants. With additional perks like complimentary domestic lounge access and golf privileges, this card is ideal for individuals seeking a tailored and versatile spending experience.

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.

Highly customizable, allowing choice of card type, image, and rewards program.

Flexibility to earn 1% cashback or 8 Reward Points per Rs. 200 spent.

Access accelerated cashback plans on popular merchants like Swiggy and Uber.

Enjoy complimentary domestic airport lounge access once every quarter.

Benefit from 4 complimentary golf games and monthly golf lessons annually.

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.

Incurs a monthly membership fee of Rs. 49 + GST, adding to the cost.

Additional one-time fees apply for premium card variants like Metal or Eco-friendly.

A significant foreign currency markup of 3.5% on all international transactions.

Cash advance charges are 2.5% of the amount, with a minimum of Rs. 300.

No rewards or cashback are earned on fuel, EMI, or cash withdrawal transactions.

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.
Apply for AU Bank LIT Credit Card(opens in new tab)Apply for YES Bank BYOC Credit Card(opens in new tab)