LIT Credit Card
Rs 0Annual fee
0Domestic lounge
Domestic lounge conditions
- LIT card has no default complimentary airport lounge access. Domestic airport lounge access (1 or 2 visits per quarter) can be activated as a customizable feature pack via the AU 0101 app.
- LIT card has no default complimentary international airport lounge access.
3.49%Forex markup
Best for
Customizable, Rewards
Top rewards
All Retail Spends: 1 reward point per ₹100
Visa Platinum Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
Lifetime Free, Rewards, Air Miles, Fuel, Travel
Top rewards
Travel Spends (Travel With Points): 12 Reward Points / ₹150 spent via Travel with Points; Other Eligible Spends: 2 Reward Points / ₹150 spent
| Feature | LIT Credit Card | Visa Platinum Credit Card |
|---|---|---|
| Issuer | AU Small Finance Bank | HSBC Bank |
| Network | Visa | Visa |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Reward Points | Reward Points |
| Best for | Customizable, Rewards | Lifetime Free, Rewards, Air Miles, Fuel, Travel |
| Top reward categories | All Retail Spends: 1 reward point per ₹100 | Travel Spends (Travel With Points): 12 Reward Points / ₹150 spent via Travel with Points; Other Eligible Spends: 2 Reward Points / ₹150 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.49% | 3.5% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.5 per point |
| Key exclusions | fuel spends, rental payments, wallet loading and top-up transactions, educational services and school fees, government services, utility payments | Fuel transactions, Rent payments, Wallet loading transactions, Educational spends, Government-related transactions, Insurance premium payments |