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faayda.com › compare › AU Altura Plus vs AU LIT
Comparison · हिन्दी

AU Altura Plus vs AU LIT

AU Altura Plus costs ₹499 a year and AU LIT has no annual fee. We ran them on the same ₹23,000 monthly spend and compared rewards, fees, lounge access and forex markup.

Updated · Terms checked by Prashant Parikh
AU SMALL F
ALTURA PLUS
ASHOK KUMAR
VS
AU SMALL F
LIT
ASHOK KUMAR
Our verdict
AU Bank Altura Plus Credit Card wins for most people
AU Altura Plus wins with a net yearly benefit of ₹1,391 against ₹600 for AU LIT. It earns 1.5% on dining and groceries, while AU LIT earns only 0.25% base points on everything. That gap easily covers the ₹499 annual fee.
Side-by-side comparison
AU Bank Altura Plus Credit Card ✓ AU Bank LIT Credit Card
Annual benefit ₹1,391 ₹600
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + GST a year (first year waived on ₹20,000 spend in the first 90 days; renewal waived on ₹80,000 spend in the previous card year) Lifetime free (paid add-on features: ₹49–₹399 per 90 days)
Issued by AU Small Finance Bank AU Small Finance Bank
Network RuPay Visa / Mastercard / RuPay
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 1.5% cashback on in-store (card machine) spends, capped at ₹100 a statement cycle, then 1 reward point per ₹100; 2 reward points per ₹100 on online spends (about 0.5%); 1 point per ₹100 on utility, telecom and insurance; 1 point = about ₹0.25 1 reward point per ₹100 on all spends (0.25% base); up to 5% cashback with paid feature packs
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 railway lounge visits a year (no airport lounges) Available as paid add-on (₹399/90 days: 1 domestic visit/quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.49% 3.5%
Best for People who spend mostly in shops and restaurants and want a low-fee card with easy-to-waive renewal, cashback on everyday in-store spends and a monthly bonus Customizable lifetime free card, choose and pay only for the features you need
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Not published (age 21 to 60 salaried, 25 to 65 self-employed) ₹4L+/year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not published 650+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
AU Bank Altura Plus Credit Card
AU Altura Plus is better when your spends are mostly in shops, restaurants and groceries. The 1.5% in-store cashback and 0.5% online rate beat AU LIT's flat 0.25%, even after the fee and monthly caps.
AU Bank LIT Credit Card
AU LIT is better if you want zero annual fee and full control. You can add paid feature packs only when needed, though the base rate stays at 0.25% points on all spends.
Who should get which card
Get AU Bank Altura Plus if you…
· You spend ₹8,000 or more a month on dining and groceries in stores
· You want higher yearly value even after a ₹499 annual fee
· You like 1.5% in-store cashback with 2 points per ₹100 online
· You can use 8 railway lounge visits a year
Get AU Bank LIT if you…
· You want a lifetime free card with no fixed annual fee
· You prefer to pay only for features you actually use
· You may opt in to 5% or 2% cashback packs for certain months
· You want the option of paid lounge access at ₹399 per quarter
Partner offer
Roarbank RuPay Credit Card
New-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categories
Apply now →
UNITY
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, AU Bank Altura Plus Credit Card offers better annual returns for most spend profiles.
AU Bank Altura Plus Credit Card has an annual fee of ₹499 + GST a year (first year waived on ₹20,000 spend in the first 90 days; renewal waived on ₹80,000 spend in the previous card year). AU Bank LIT Credit Card has an annual fee of Lifetime free (paid add-on features: ₹49–₹399 per 90 days).
AU Bank Altura Plus Credit Card offers 1.5% cashback on in-store (card machine) spends, capped at ₹100 a statement cycle, then 1 reward point per ₹100; 2 reward points per ₹100 on online spends (about 0.5%); 1 point per ₹100 on utility, telecom and insurance; 1 point = about ₹0.25. AU Bank LIT Credit Card offers 1 reward point per ₹100 on all spends (0.25% base); up to 5% cashback with paid feature packs.
AU Bank Altura Plus Credit Card lounge access: 8 railway lounge visits a year (no airport lounges). AU Bank LIT Credit Card lounge access: Available as paid add-on (₹399/90 days: 1 domestic visit/quarter).
AU Bank Altura Plus Credit Card charges 3.49% forex markup. AU Bank LIT Credit Card charges 3.5% forex markup.