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

SBI Cashback Credit Card vs AU LIT 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.

💰 Earn ₹2,240 cashback via EarnKaro

⭐ Recommended

💰 Earn ₹1,540 cashback via EarnKaro

Side-by-Side Comparison

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

SBI Cashback Credit Card

What we love

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

Keep in mind

  • No lounge
  • 1% offline rate

AU LIT Credit Card

What we love

  • Lifetime Free
  • Flexible rewards
  • Customizable

Keep in mind

  • Must track benefits

Frequently Asked Questions

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

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