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

AU LIT Credit Card vs SBI 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 2 out of 4 comparison categories.

⭐ Recommended

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Side-by-Side Comparison

Annual Fee
Lifetime Free Winner
₹999
Joining Fee
Free Winner
₹999
Fee Waiver
Waived on 2L spend
Cashback Rate
Up to 2%
Up to 5% Winner
Reward Rate
Choose your rewards quarterly
5% unlimited cashback online
Lounge Access
No
No
Welcome Bonus
Choice of benefit
Min. Income
₹15,000/mo Winner
₹20,000/mo
Credit Score
650+
650+
Best For
Flexible users
Online shoppers

AU LIT Credit Card

What we love

  • Lifetime Free
  • Flexible rewards
  • Customizable

Keep in mind

  • Must track benefits

SBI Cashback Credit Card

What we love

  • 5% flat online cashback
  • No merchant restrictions
  • Auto-credit

Keep in mind

  • No lounge
  • 1% offline rate

Frequently Asked Questions

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

Based on our analysis, AU LIT Credit Card is the better choice with advantages in 2 out of 4 comparison categories including fees and rewards. However, SBI Cashback Credit Card may be better if your spending aligns with its specific benefits like online shoppers.

What is the annual fee difference?

AU LIT Credit Card has an annual fee of zero (Lifetime Free), while SBI Cashback Credit Card costs ₹999 (Waived on 2L 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.