Side-by-side · honest numbers
AU LIT Credit Card vs SBI SimplySAVE
Honest side-by-side comparison of AU LIT Credit Card, SBI SimplySAVE — 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
SBI SimplySAVE
SBI Card
Your adjusted comparison
| Feature | AU LIT Credit Card AU Small Finance Bank | SBI SimplySAVE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹499 |
| Fee waiver threshold | Lifetime free | No waiver published |
| Min income | ₹20,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹220/yr | ₹2,751/yr |
| Online shopping | ₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr) | — |
| Groceries (offline) | — | ₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr) |
| Dining & delivery | — | ₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr) |
| Fuel | — | ₹3,000 → 300 pts/mo × ₹0.25/pt = ₹75/mo (₹900/yr) |
| Top reward rate | 1–2 RP/₹150 | 10 RP/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published |
| 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: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | ₹2,000 |
Stack mode (hold both)
Cap-aware split: ~₹2,911/yr combined NAV (₹160 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/in/en/compare/au-lit-vs-sbi-simplysaveReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI SimplySAVE leads AU LIT Credit Card by about ₹2,531/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 | SBI SimplySAVE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹499 |
| Fee waiver threshold | Lifetime free | No waiver published |
| Min income | ₹20,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹220/yr | ₹2,751/yr |
| Online shopping | ₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr) | — |
| Groceries (offline) | — | ₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr) |
| Dining & delivery | — | ₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr) |
| Fuel | — | ₹3,000 → 300 pts/mo × ₹0.25/pt = ₹75/mo (₹900/yr) |
| Top reward rate | 1–2 RP/₹150 | 10 RP/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published |
| 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: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | ₹2,000 |
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?
- SBI SimplySAVE leads with an estimated ₹2,751/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI SimplySAVE lists a minimum monthly income of ₹18,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More AU LIT Credit Card comparisons
- AU LIT Credit Card vs 811 Dream Different Credit Card
- AU LIT Credit Card vs AU Altura Credit Card
- AU LIT Credit Card vs AU Altura+ Credit Card
- AU LIT Credit Card vs AU Zenith Credit Card
- AU LIT Credit Card vs American Express Gold Card
- AU LIT Credit Card vs American Express Platinum Travel Card
- AU LIT Credit Card vs American Express SmartEarn Credit Card
- AU LIT Credit Card vs Amex Membership Rewards CC
- AU LIT Credit Card vs Axis Bank ACE Credit Card
- AU LIT Credit Card vs Axis Bank Airtel Credit Card
- AU LIT Credit Card vs Axis Bank Atlas Credit Card
- AU LIT Credit Card vs Axis Bank Flipkart Credit Card