Home/Compare/AU LIT Credit Card vs BOB Cashback Credit Card

AU LIT Credit Card vs BOB Cashback Credit Card

Detailed side-by-side comparison to help you pick the right card for your needs.

Our Recommendation

AU LIT Credit Card wins 4 out of 4 comparison categories.

⭐ Recommended

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💰 Earn ₹950 cashback via EarnKaro

Side-by-Side Comparison

Annual Fee
Lifetime Free Winner
₹499
Joining Fee
Free Winner
₹499
Fee Waiver
Waived on 1L spend
Cashback Rate
Up to 2% Winner
Up to 1%
Reward Rate
Choose your rewards quarterly
1% cashback on all spends
Lounge Access
No
No
Welcome Bonus
Choice of benefit
Min. Income
₹15,000/mo Winner
₹25,000/mo
Credit Score
650+ Winner
680+
Best For
Flexible users
Value seekers

AU LIT Credit Card

What we love

  • Lifetime Free
  • Flexible rewards
  • Customizable

Keep in mind

  • Must track benefits

BOB Cashback Credit Card

What we love

  • Simple cashback
  • Low annual fee
  • Govt bank trust

Keep in mind

  • Basic rewards rate

Frequently Asked Questions

Which is better: AU LIT Credit Card or BOB Cashback Credit Card?

Based on our analysis, AU LIT Credit Card is the better choice with advantages in 4 out of 4 comparison categories including fees and rewards. However, BOB Cashback Credit Card may be better if your spending aligns with its specific benefits like value seekers.

What is the annual fee difference?

AU LIT Credit Card has an annual fee of zero (Lifetime Free), while BOB Cashback Credit Card costs ₹499 (Waived on 1L spend) per year.

Can I apply for both cards?

Yes! There's no restriction on holding multiple credit cards from different banks. Many savvy users hold both types to maximize rewards across different spending categories.