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Amex Membership Rewards CC vs AU LIT Credit Card

Honest side-by-side comparison of Amex Membership Rewards CC, AU LIT Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Amex Membership Rewards CC

American Express

AU LIT Credit Card

AU Small Finance Bank

Your adjusted comparison

Feature
Amex Membership Rewards CC credit card

Amex Membership Rewards CC

American Express

AU LIT Credit Card

AU LIT Credit Card

AU Small Finance Bank

Fees & eligibility
Annual fee₹4,500Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹60,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹4,194/yr₹220/yr
Online shopping—₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)
Top reward rate2 RP/₹1501–2 RP/₹150
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNoneOptional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Some small merchantsEMI · Fuel · Rent
Bonuses
Signup bonus₹4,000—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Amex Membership Rewards CC details →AU LIT Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, AU LIT Credit Card leads Amex Membership Rewards CC by about ₹4,414/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

Amex Membership Rewards CC vs AU LIT Credit Card comparison table
FeatureAmex Membership Rewards CC

American Express

AU LIT Credit Card

AU Small Finance Bank

Fees & eligibility
Annual fee₹4,500Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹60,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹4,194/yr₹220/yr
Online shopping—₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)
Top reward rate2 RP/₹1501–2 RP/₹150
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNoneOptional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Some small merchantsEMI · Fuel · Rent
Bonuses
Signup bonus₹4,000—

Frequently asked questions

Which card has the lower annual fee?
AU LIT Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
AU LIT Credit Card leads with an estimated ₹220/yr net annual value on moderate spend.
Which card has the lower income requirement?
AU LIT Credit Card lists a minimum monthly income of ₹20,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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