Side-by-side · honest numbers
American Express SmartEarn Credit Card vs AU LIT Credit Card
Honest side-by-side comparison of American Express SmartEarn Credit Card, 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
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
American Express SmartEarn Credit Card
American Express
AU LIT Credit Card
AU Small Finance Bank
Your adjusted comparison
| Feature | American Express SmartEarn Credit Card American Express | AU LIT Credit Card AU Small Finance Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹495 | Lifetime free |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹5,880/yr | ₹220/yr |
| Online shopping | ₹8,000 → 1,600 pts/mo × ₹0.25/pt = ₹400/mo (₹4,800/yr) · issuer max ₹500/mo | ₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr) |
| Top reward rate | 10X Membership Rewards | 1–2 RP/₹150 |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Optional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Cap-aware split: ~₹5,950/yr combined NAV (₹70 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/in/en/compare/amex-smartearn-vs-au-litReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, American Express SmartEarn Credit Card leads AU LIT Credit Card by about ₹5,660/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
| Feature | American Express SmartEarn Credit Card American Express | AU LIT Credit Card AU Small Finance Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹495 | Lifetime free |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹5,880/yr | ₹220/yr |
| Online shopping | ₹8,000 → 1,600 pts/mo × ₹0.25/pt = ₹400/mo (₹4,800/yr) · issuer max ₹500/mo | ₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr) |
| Top reward rate | 10X Membership Rewards | 1–2 RP/₹150 |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Optional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
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?
- American Express SmartEarn Credit Card leads with an estimated ₹5,880/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.
More American Express SmartEarn Credit Card comparisons
- American Express SmartEarn Credit Card vs 811 Dream Different Credit Card
- American Express SmartEarn Credit Card vs AU Altura Credit Card
- American Express SmartEarn Credit Card vs AU Altura+ Credit Card
- American Express SmartEarn Credit Card vs AU Zenith Credit Card
- American Express SmartEarn Credit Card vs American Express Gold Card
- American Express SmartEarn Credit Card vs American Express Platinum Travel Card
- American Express SmartEarn Credit Card vs Amex Membership Rewards CC
- American Express SmartEarn Credit Card vs Axis Bank ACE Credit Card
- American Express SmartEarn Credit Card vs Axis Bank Airtel Credit Card
- American Express SmartEarn Credit Card vs Axis Bank Atlas Credit Card
- American Express SmartEarn Credit Card vs Axis Bank Flipkart Credit Card
- American Express SmartEarn Credit Card vs Axis Bank Magnus Credit Card