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IndusInd Legend Credit Card VS AU Bank LIT 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
IndusInd Legend Credit Card
IndusInd Legend Credit Card
AU Bank LIT Credit Card
AU Bank LIT Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based Waiver
Spend Based WaiverNot applicable as the card is Lifetime Free.
Foreign Transaction Fees1.8% + GST.
Foreign Transaction Fees3.49%
Interest Rate (APR)3.95% per month (47.40% per annum).
Interest Rate (APR)3.75% Per Month (45% Per Annum)

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Rewards RateEarn 1 RP per ₹100 on weekdays, 2 RP per ₹100 on weekends. No points on fuel/utilities.
Rewards Rate1 Reward Point for every ₹100 spent on retail transactions. Paid features offer 5x/10x points.
Reward TypeReward Points
Reward TypeReward Points, Cashback
Reward Redemption Fee₹149 + GST for cash redemption.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access1 complimentary airport lounge access every quarter (paid feature, ₹399 for 90 days).
International Lounge Access
International Lounge Access
Travel BenefitsTravel insurance (lost baggage, air accident up to ₹25L). Concierge for bookings & assistance.
Travel BenefitsRedeem points for flights, hotels, buses. Paid domestic lounge access.
Movie BenefitsBuy One Get One Free movie tickets via BookMyShow (capped at ₹200, once a month), plus ₹50 off F&B.
Movie BenefitsRedeem points for movie tickets. Paid 3 Months Zee5 Membership.
Dining Benefits
Dining Benefits
Golf Benefits
Golf BenefitsBook Golf sessions at golf courses across India (via redemption).
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions at authorized fuel stations in India.
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹400-₹5,000 (paid feature, ₹49 for 90 days).

Security & Other

Insurance BenefitsTravel insurance (lost baggage, air accident up to ₹25L). Total Protect for unauthorized transactions & counterfeit fraud.
Insurance Benefits
Cash Advance Charges2.5% of transaction amount, minimum ₹300.
Cash Advance Charges2.5% or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IndusInd Legend Credit Card

AU Bank LIT Credit Card

Who is it for?

The IndusInd Bank Legend Credit Card is a lifetime free, entry-level card offering notable benefits for new cardholders. It features a low 1.8% foreign currency markup, making it suitable for international spends. Cardholders also enjoy a monthly Buy One Get One Free movie ticket offer and bonus reward points on annual spending milestones. While lounge access has been discontinued, its overall value proposition makes it a solid choice for everyday use and specific perks.

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.

Pros

Key benefits and features.

The card is lifetime free, offering significant savings with no annual fees.

Enjoy a competitive 1.8% foreign currency markup, ideal for international travel.

Benefit from a monthly Buy One Get One Free movie ticket offer via BookMyShow.

Access to exclusive Visa offers, including Alaya Stays and Times Prime Membership.

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.

Cons

Key drawbacks and limitations.

The Buy One Get One Free movie ticket offer is limited to only one per month.

The IndusInd Bank Legend Credit Card does not provide any specific dining offers.

Airport lounge access, including Priority Pass, has been discontinued for this card.

The reward rate is average, offering 1% on weekends and a lower 0.5% on weekdays.

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.

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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