Side-by-side · honest numbers
AU LIT Credit Card vs Axis Bank ACE Credit Card
Honest side-by-side comparison of AU LIT Credit Card, Axis Bank ACE 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.
AU LIT Credit Card
AU Small Finance Bank
Axis Bank ACE Credit Card
Axis Bank
Your adjusted comparison
| Feature | AU LIT Credit Card AU Small Finance Bank | Axis Bank ACE Credit Card Axis Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹499 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend |
| Min income | ₹20,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹220/yr | ₹5,475/yr |
| Online shopping | ₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr) | — |
| Dining & delivery | — | ₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹500/mo |
| Utilities & bills | — | ₹1,925.00 × 5% = ₹96.25/mo (₹1,155/yr) · issuer max ₹500/mo |
| Top reward rate | 1–2 RP/₹150 | 5% |
| Primary reward cap | No monthly cap published | ₹500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Optional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge access | 4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Fuel · Non-GPay utilities · EMI · Rent · Wallet load |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Cap-aware split: ~₹6,420/yr combined NAV (₹945 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/au-lit-vs-axis-aceReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank ACE Credit Card leads AU LIT Credit Card by about ₹5,255/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 | AU LIT Credit Card AU Small Finance Bank | Axis Bank ACE Credit Card Axis Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹499 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend |
| Min income | ₹20,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹220/yr | ₹5,475/yr |
| Online shopping | ₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr) | — |
| Dining & delivery | — | ₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹500/mo |
| Utilities & bills | — | ₹1,925.00 × 5% = ₹96.25/mo (₹1,155/yr) · issuer max ₹500/mo |
| Top reward rate | 1–2 RP/₹150 | 5% |
| Primary reward cap | No monthly cap published | ₹500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Optional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge access | 4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Fuel · Non-GPay utilities · EMI · Rent · Wallet load |
| 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?
- Axis Bank ACE Credit Card leads with an estimated ₹5,475/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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