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AU LIT Credit Card vs SBI Card PRIME

Honest side-by-side comparison of AU LIT Credit Card, SBI Card PRIME — 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

SBI Card PRIME

SBI Card

Your adjusted comparison

Feature
AU LIT Credit Card

AU LIT Credit Card

AU Small Finance Bank

SBI Card PRIME credit card

SBI Card PRIME

SBI Card

Fees & eligibility
Annual feeLifetime free₹2,999
Fee waiver thresholdLifetime free₹5,00,000/yr
Min income₹20,000/mo₹45,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹220/yr-₹2,339/yr
Online shopping₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)—
Travel—₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)
Top reward rate1–2 RP/₹1505X reward points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessOptional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge access8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentFuel · Rent · Wallet · EMI
Bonuses
Signup bonus—₹3,000

Stack mode (hold both)

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

AU LIT Credit Card details →SBI Card PRIME details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, AU LIT Credit Card leads SBI Card PRIME by about ₹2,559/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 SBI Card PRIME comparison table
FeatureAU LIT Credit Card

AU Small Finance Bank

SBI Card PRIME

SBI Card

Fees & eligibility
Annual feeLifetime free₹2,999
Fee waiver thresholdLifetime free₹5,00,000/yr
Min income₹20,000/mo₹45,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹220/yr-₹2,339/yr
Online shopping₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)—
Travel—₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)
Top reward rate1–2 RP/₹1505X reward points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessOptional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge access8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentFuel · Rent · Wallet · EMI
Bonuses
Signup bonus—₹3,000

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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