AU Bank LIT Credit Card vs IndusInd Bank Platinum Aura Edge Credit Card
How AU Bank LIT Credit Card and IndusInd Bank Platinum Aura Edge Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
Apply links will be affiliate links once activated — we may earn a commission at no extra cost to you; it never changes this comparison. How we make money →
Quick take
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend.
AU Bank LIT Credit Card — better for people who want a free base card and pay only for features they switch on.
IndusInd Bank Platinum Aura Edge Credit Card — better for someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it.
Side by side
| AU Bank LIT Credit CardAU Small Finance Bank | IndusInd Bank Platinum Aura Edge Credit CardIndusInd Bank | |
|---|---|---|
| Annual fee | Nil base (optional packs ₹49–₹399) | ₹0 joining + ₹0 annual (lifetime free; no spend-based waiver needed) |
| Reward rate | Base 1 RP/₹100; up to 5X/10X with paid feature packs (cap ~10k RP/cycle) | 4 RP per ₹100 on chosen plan category (marketed as "up to 8X" vs 0.5 RP base), 0.5 RP per ₹100 on other spends; 1 RP = ₹0.40 on cash redemption (₹0.50 on catalogue), capped at 2,500 RP redeemable per month/cycle |
| Lifetime-free | Yes | Yes |
| Network | Visa | Visa |
| Eligibility | Salaried 21–60 / self-employed 25–65 yrs; resident Indian | Age 18+ (approx); salaried or self-employed with steady income and good credit score (approx 750+); exact minimum income not officially published |
| Best for | People who want a free base card and pay only for features they switch on. | Someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it. |
AU Bank LIT Credit Card
- Lifetime-free base — ₹0 joining and ₹0 annual fee
- Customisable: turn on 90-day feature packs (₹49–₹399) for up to 5X/10X rewards
- Base 1 reward point per ₹100 (~0.25%); packs add accelerated rewards (cap ~10,000 RP/cycle)
IndusInd Bank Platinum Aura Edge Credit Card
- 4 RP/₹100 on your chosen plan category (Shop/Home/Travel/Party), 0.5 RP/₹100 elsewhere; 1 RP = ₹0.40 (cash), max 2,500 RP/cycle redeemable
- 1% fuel surcharge waiver on fuel spends of approx ₹400 to ₹4,000 (capped approx ₹100/cycle)
- No joining fee and no annual fee ever (lifetime free); complimentary air accident insurance up to ₹25 lakh
AU Bank LIT Credit Card vs IndusInd Bank Platinum Aura Edge Credit Card — FAQs
Neither is universally better. AU Bank LIT Credit Card suits people who want a free base card and pay only for features they switch on. IndusInd Bank Platinum Aura Edge Credit Card suits someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend. On rewards, AU Bank LIT Credit Card gives lifetime-free base; switch on benefit packs only in the cycles you want them. whereas IndusInd Bank Platinum Aura Edge Credit Card gives lifetime-free card earning 4 reward points per ₹100 (8x the 0.5 rp base) on your chosen plan category
AU Bank LIT Credit Card: Nil base (optional packs ₹49–₹399). IndusInd Bank Platinum Aura Edge Credit Card: ₹0 joining + ₹0 annual (lifetime free; no spend-based waiver needed). Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.