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?

SBI SimplyCLICK leads with an estimated ₹911/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.

Side-by-side · honest numbers

AU LIT Credit Card vs SBI SimplyCLICK

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

Card 1

AU LIT Credit Card

AU Small Finance Bank

Card 2

SBI SimplyCLICK

SBI Card

Your adjusted comparison

Feature	AU LIT Credit Card AU Small Finance Bank	SBI SimplyCLICK SBI Card
Fees & eligibility
Annual fee	Lifetime free	₹499
Fee waiver threshold	Lifetime free	No waiver published
Min income	₹20,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹220/yr	₹911/yr
Online shopping	₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)	₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Top reward rate	1–2 RP/₹150	10X points
Primary reward cap	No monthly cap published	₹10,000 eligible spend/mo
Perks & restrictions
Lounge access	Optional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge access	None
UPI rewards	Not supported (Visa/MC)	Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	—	₹500

Stack mode (hold both)

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

AU LIT Credit Card details →SBI SimplyCLICK details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI SimplyCLICK leads AU LIT Credit Card by about ₹691/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 SimplyCLICK comparison table
Feature	AU LIT Credit Card AU Small Finance Bank	SBI SimplyCLICK SBI Card
Fees & eligibility
Annual fee	Lifetime free	₹499
Fee waiver threshold	Lifetime free	No waiver published
Min income	₹20,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹220/yr	₹911/yr
Online shopping	₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)	₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Top reward rate	1–2 RP/₹150	10X points
Primary reward cap	No monthly cap published	₹10,000 eligible spend/mo
Perks & restrictions
Lounge access	Optional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge access	None
UPI rewards	Not supported (Visa/MC)	Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent · Wallet
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?: SBI SimplyCLICK leads with an estimated ₹911/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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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