What are the annual fees for AU Bank LIT Credit Card and IDFC FIRST Wealth Credit Card?

AU Bank LIT Credit Card has no annual fee. IDFC FIRST Wealth Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

AU Bank LIT Credit Card earns about 0.25% on general spends; IDFC FIRST Wealth Credit Card earns about 0.375%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

AU Bank LIT Credit Card: 3.49%. IDFC FIRST Wealth Credit Card: 1.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

AU Bank LIT Credit Card: yes — see the lounge row above for limits. IDFC FIRST Wealth Credit Card: yes — see the lounge row above for limits.

Card Comparison

AU LIT vs IDFC FIRST Wealth

AU LIT vs IDFC FIRST Wealthcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

AU Bank LIT

AU Small Finance Bank

FeeFree

Eff. rate0.25%

Cap₹10,000

Fee

Free

Eff. rate

0.25%

Cap

₹10,000

IDFC FIRST Wealth

IDFC FIRST Bank

FeeFree

Eff. rate0.38%

CapNone

Fee

Free

Eff. rate

0.38%

Cap

None

Quick take

How they compare

AU LIT and IDFC FIRST Wealth suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 0.25% vs 0.375% effective rate. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

AU LIT

Annual fee: Free
Everyday rate: 0.3%
Monthly cap: ₹10,000/mo

Notable strengths

Flat rewards on every spend

IDFC FIRST Wealth

Annual fee: Free
Everyday rate: 0.4%
Monthly cap: No cap

Notable strengths

No monthly reward cap
Low forex markup (1.5%)

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

48 specs · 12 sections

AU Bank LIT

IDFC FIRST Wealth

Feature

AU Bank LIT

IDFC FIRST Wealth

Annual Fee

Free

Joining Fee

Free

Fee Waiver Spend

N/A

Forex Markup

3.49%

1.5%

Reward Type

Reward Points

Base Rate

0.25%

0.38%

Online Rate

0.25%

—

Offline Rate

0.25%

—

Effective Base Rate

0.25%

0.38%

Point Value

₹0.25

Redemption Quality

LOW

MEDIUM

Best Redemption

₹0.25

Worst Redemption

₹0.1

₹0.2

Grocery / Supermarkets

0.38%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

0.38%

Restaurants / Dine-in

0.38%

Flights, Hotels, OTAs, Tour Operators

0.38%

Other Retail / Catch-all

0.25%

0.38%

Monthly Cap

₹10,000

No cap

Est. Annual Cap

₹1,20,000

No cap

Total Excluded

7 categories

0 categories

Fuel / Petrol / Diesel / CNG

Excluded

Earns rewards

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Excluded

Earns rewards

Insurance Premiums

Excluded

Earns rewards

Education / School / College Fees

Excluded

Earns rewards

Domestic Visits/Year

None

-1

International Visits/Year

None

-1

Priority Pass

Est. Annual Value

—

₹10,230

Forex Markup

3.49%

1.5%

Description

₹300 Amazon Pay/Swiggy/Zomato voucher on card activation

₹500 Voucher from Uber, Amazon, and Bigbasket on Spending ₹5,000 Within 30 Days of Card Issuance. 5% Cashback Upto ₹1,000 on the First EMI Transaction

Estimated Value

₹240

₹1,200

Fuel Surcharge Waiver

Yes

Best Suited For

Customizable Benefits, Grocery, Apparel, Online Shopping, Budget Spenders

Movies, Travel, Shopping

Min Income

₹25,000/month

₹3,00,000/month

Income Proof

Not required

Required

Secured FD

Accepting Applications

Yes

Network

Visa, RuPay

Visa

Card Tier

Entry

Infinite

Still weighing your options?

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Frequently asked questions

What are the annual fees for AU Bank LIT Credit Card and IDFC FIRST Wealth Credit Card?: AU Bank LIT Credit Card has no annual fee. IDFC FIRST Wealth Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: AU Bank LIT Credit Card earns about 0.25% on general spends; IDFC FIRST Wealth Credit Card earns about 0.375%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: AU Bank LIT Credit Card: 3.49%. IDFC FIRST Wealth Credit Card: 1.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: AU Bank LIT Credit Card: yes — see the lounge row above for limits. IDFC FIRST Wealth Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: AU Small Finance Bank - AU LIT · IDFC FIRST Bank - IDFC FIRST Wealth