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Comparison · हिन्दी

AU Tejas vs AU LIT

Both cards compared on real rupee returns for AU Tejas vs AU LIT credit card which better AU Small Finance Bank entry level credit card India. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
AU SMALL F
TEJAS
ASHOK KUMAR
VS
AU SMALL F
LIT
ASHOK KUMAR
Our verdict
AU Tejas Credit Card wins for most people
AU Tejas wins with ₹940 annual benefit versus AU LIT's ₹330, despite its annual fee. The Tejas delivers superior rewards through category bonuses, app cashback, and spend milestones that outweigh costs.
Side-by-side comparison
AU Tejas Credit Card ✓ AU Bank LIT Credit Card
Annual benefit ₹940 ₹330
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + GST joining; ₹500 + GST annual (waived on ₹1,50,000 spend in the card anniversary year) Lifetime free (paid add-on features: ₹49–₹399 per 90 days)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 1 reward point per ₹100 on most spends (about 0.25% at ₹0.25 a point); 5 points per ₹100 on flights, hotels, vouchers and bills booked through the AU Rewardz portal; 10% cashback, up to ₹50 a month each, on Zomato food delivery, District movies, Amazon Fresh and Amazon Now groceries, cab rides and bill payments in the AU 0101 app; 500 bonus points for 5 spends of ₹500 or more in a statement cycle; no points on fuel, rent, education, government, EMIs, transport or BBPS bill payments 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 → None 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 First-time card users who order on Zomato, book cabs and pay bills in the AU 0101 app, and want small monthly cashback across several everyday apps 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 → AU Small Finance Bank does not publish an income requirement; salaried applicants must be 21 to 60 and self-employed 25 to 65 ₹4L+/year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified 650+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
AU Tejas Credit Card
AU Tejas excels when you actively use Zomato, cabs, bill payments via AU 0101 app, and book travel through AU Rewardz portal. Its 10% monthly cashbacks and bonus points justify the ₹500 annual fee for engaged users.
AU Bank LIT Credit Card
AU LIT suits minimalist spenders who want lifetime free flexibility without commitments. Choose it if you rarely use food delivery, cabs, or portal bookings and prefer basic 0.25% rewards without paid add-ons.
Who should get which card
Get AU Tejas if you…
· Frequent Zomato and cab users earning 10% cashback monthly
· Those who spend ₹12.5k+ annually to waive the ₹500 fee
· Customers leveraging AU Rewardz portal for travel and bills
· First-time card users wanting app-based cashback rewards
Get AU Bank LIT if you…
· Minimalist spenders avoiding lifestyle app commitments
· Those who value true lifetime free with no annual fees
· Users unwilling to pay for premium feature unlocks
· Occasional card users seeking basic universal rewards
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 Tejas Credit Card offers better annual returns for most spend profiles.
AU Tejas Credit Card has an annual fee of ₹500 + GST joining; ₹500 + GST annual (waived on ₹1,50,000 spend in the card anniversary year). AU Bank LIT Credit Card has an annual fee of Lifetime free (paid add-on features: ₹49–₹399 per 90 days).
AU Tejas Credit Card offers 1 reward point per ₹100 on most spends (about 0.25% at ₹0.25 a point); 5 points per ₹100 on flights, hotels, vouchers and bills booked through the AU Rewardz portal; 10% cashback, up to ₹50 a month each, on Zomato food delivery, District movies, Amazon Fresh and Amazon Now groceries, cab rides and bill payments in the AU 0101 app; 500 bonus points for 5 spends of ₹500 or more in a statement cycle; no points on fuel, rent, education, government, EMIs, transport or BBPS bill payments. 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 Tejas Credit Card lounge access: None. AU Bank LIT Credit Card lounge access: Available as paid add-on (₹399/90 days: 1 domestic visit/quarter).
AU Tejas Credit Card charges 3.49% forex markup. AU Bank LIT Credit Card charges 3.5% forex markup.