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AU LIT Credit Card vs HDFC MoneyBack+ Credit Card

Honest side-by-side comparison of AU LIT Credit Card, HDFC MoneyBack+ 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.

AU LIT Credit Card

AU Small Finance Bank

HDFC MoneyBack+ Credit Card

HDFC Bank

Your adjusted comparison

Feature
AU LIT Credit Card

AU LIT Credit Card

AU Small Finance Bank

HDFC MoneyBack+ Credit Card

HDFC MoneyBack+ Credit Card

HDFC Bank

Fees & eligibility
Annual feeLifetime free₹500
Fee waiver thresholdLifetime freeWaived at ₹50,000/yr spend
Min income₹20,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹156/yr₹948/yr
Online shopping—₹2,400 → 240 pts/mo × ₹0.25/pt = ₹60/mo (₹720/yr)
Top reward rate1 RP/₹10010X points
Primary reward cap₹2,000 rewards/mo cap₹2,500/mo
Perks & restrictions
Lounge accessOptional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Earns: 2 CashPoints per ₹200 on UPI spends (RuPay variant) · cap 500 points/month on UPI
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent
Bonuses
Signup bonus—₹500

Stack mode (hold both)

Cap-aware split: ~₹2,460/yr combined NAV (₹1,512 vs best solo). Both annual fees apply.

AU LIT Credit Card details →HDFC MoneyBack+ Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC MoneyBack+ Credit Card leads AU LIT Credit Card by about ₹792/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

AU LIT Credit Card vs HDFC MoneyBack+ Credit Card comparison table
FeatureAU LIT Credit Card

AU Small Finance Bank

HDFC MoneyBack+ Credit Card

HDFC Bank

Fees & eligibility
Annual feeLifetime free₹500
Fee waiver thresholdLifetime freeWaived at ₹50,000/yr spend
Min income₹20,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹156/yr₹948/yr
Online shopping—₹2,400 → 240 pts/mo × ₹0.25/pt = ₹60/mo (₹720/yr)
Top reward rate1 RP/₹10010X points
Primary reward cap₹2,000 rewards/mo cap₹2,500/mo
Perks & restrictions
Lounge accessOptional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Earns: 2 CashPoints per ₹200 on UPI spends (RuPay variant) · cap 500 points/month on UPI
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent
Bonuses
Signup bonus—₹500

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?
HDFC MoneyBack+ Credit Card leads with an estimated ₹948/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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