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Credit CardsComparisons

AU Bank LIT Credit Card vs IndusInd Bank Tiger Credit Card

A head-to-head comparison of AU Bank LIT Credit Card and IndusInd Bank Tiger Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

Lifetime FreeCard A

AU Bank LIT Credit Card

Variable Spenders Who Want Quarterly Flexibility

Annual Fee
Lifetime Free
Reward Rate
1 RP per ₹100 base (0.25% effective); up to 5% cashback with activated features
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Lifetime FreeCard B

IndusInd Bank Tiger Credit Card

Lifetime-Free Travel & Lounge

Annual Fee
Lifetime Free
Reward Rate
Up to 6X tiered (~2.4% effective)
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Feature comparison

FeatureAU BankIndusInd Bank
Annual FeeLifetime Free (base card; individual features cost ₹49–₹399 per 90-day cycle via AU 0101 app)Lifetime Free
Reward Rate1 RP per ₹100 base (0.25% effective); up to 5% cashback with activated featuresUp to 6X tiered (~2.4% effective)
Best ForVariable Spenders Who Want Quarterly FlexibilityLifetime-Free Travel & Lounge
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankIndusInd Bank
Online shopping
Dining
Domestic travel
International travel
Everyday spending
Airport lounge access
Fuel surcharge waiver

Quick verdict

Choose AU Bank LIT Credit Card if:

  • You spend heavily on online shopping
  • You spend heavily on dining
  • This is your first credit card

Choose IndusInd Bank Tiger Credit Card if:

  • You spend heavily on international travel
  • You spend heavily on domestic travel
  • You spend heavily on fuel surcharge waiver

Full pros & cons

AU Bank LIT Credit Card

What's good
  • Lifetime free base card — zero fixed annual cost
  • Fully customisable: swap lounge access, OTT subscriptions, dining cashback, or category rewards every 90 days
  • No commitment to benefits you will not use — pay only for what you activate
  • Available features include 5% cashback on online/grocery (₹149–₹299/qtr), lounge access (₹199–₹299/qtr), bundled OTT memberships
Watch out for
  • Base reward rate of 0.25% is poor — card has no value without activated features
  • Activating 2–3 features costs ₹600–₹1,000/quarter (up to ₹4,000/year), potentially exceeding a flat annual fee card
  • Requires active management in the AU 0101 app — auto-renewals can catch users off-guard
  • ₹99 + GST redemption fee per transaction; 3.49% forex markup — not for international use
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IndusInd Bank Tiger Credit Card

What's good
  • Truly lifetime free — no annual or joining fee
  • 2 international lounge visits/year via Priority Pass + 2 domestic visits/quarter
  • Low 1.5% forex markup (vs the standard 3.5%) for occasional foreign spends
  • 1 free movie ticket every 6 months on BookMyShow + 1 golf game per quarter
Watch out for
  • Minimum income criteria — ₹6L p.a. salaried / ₹8L self-employed; 750+ credit score expected
  • Reward rate is tiered: only 1 RP per ₹100 (0.4%) on first ₹1L annual spend — the 6X rate unlocks after ₹5L
  • 1.5% forex still beats standard cards but lags zero-forex options like IDFC Wow or Scapia
  • Reward Point value is ₹0.40 each — middling redemption value vs cashback cards
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