AU LIT Credit Card vs IDFC FIRST Select Credit Card
AU Small Finance Bank · IDFC FIRST Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
AU Small Finance BankScoreExcellent
Annual FeeFree
Max Reward10%
IDFC FIRST BankScoreExcellent
Annual FeeFree
Max Reward5%
IDFC FIRST Select Credit Card leads overall with a CardCheck Score of 88/100 (+1 pts over AU LIT Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs IDFCReward Power
35%AU35/35
IDFC34/35
AU Wins
Fee Value & ROI
25%AU25/25
IDFC25/25
Tie (25/25)
Lounge & Travel
20%AU15/20
IDFC15/20
Tie (15/20)
Forex & Access
20%AU12/20
IDFC14/20
IDFC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 87
- 88Best
- Rating Verdict
- Excellent
- Excellent
- Reward Power (35%)
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 25/25
- 25/25
- Lounge & Travel (20%)
- 15/20
- 15/20
- Forex & Access (20%)
- 12/20
- 14/20
02—Basic Info
- Bank
- AU Small Finance Bank
- IDFC FIRST Bank
- Network
- Visa
- Visa
- Card type
- Regular
- Regular
- Best for
- customizable rewards, cashback seekers, lounge and OTT feature users
- Lifetime-free mid-tier — 6X on select categories + 2 lounge/quarter
03—Fees
- Joining fee
- Free
- Free
- Annual fee
- Free
- Free
- Interest-free days
- —
- 45
04—Interest
- APR (min)
- 45%
- 8.5%Best
- APR (max)
- 45%Best
- 46.2%
- Late payment fee
- ₹1,100Best
- ₹1,300
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- hybrid
- points
- Min rate
- 1%
- 1%
- Max rate
- 10%Best
- 5%
- Points / ₹100
- 1Best
- 0.5
- Point value
- —
- ₹0.25
- Monthly cap
- ₹500
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 2
- 2
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.49%
- 1.5%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- —
- ₹50,000
- Min CIBIL
- —
- 720
- Invite only
Rows won
04of 07
03of 07
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 87 | 88Best |
| Rating Verdict | Excellent | Excellent |
| Reward Power (35%) | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 25/25 | 25/25 |
| Lounge & Travel (20%) | 15/20 | 15/20 |
| Forex & Access (20%) | 12/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | IDFC FIRST Bank |
| Network | Visa | Visa |
| Card type | Regular | Regular |
| Best for | customizable rewards, cashback seekers, lounge and OTT feature users | Lifetime-free mid-tier — 6X on select categories + 2 lounge/quarter |
03—Fees Differences highlighted | ||
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Interest-free days | — | 45 |
04—Interest Differences highlighted | ||
| APR (min) | 45% | 8.5%Best |
| APR (max) | 45%Best | 46.2% |
| Late payment fee | ₹1,100Best | ₹1,300 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | hybrid | points |
| Min rate | 1% | 1% |
| Max rate | 10%Best | 5% |
| Points / ₹100 | 1Best | 0.5 |
| Point value | — | ₹0.25 |
| Monthly cap | ₹500 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2 | 2 |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.49% | 1.5%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | — | ₹50,000 |
| Min CIBIL | — | 720 |
| Invite only | ||
| Rows won | 04of 07 | 03of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU LIT Credit Card | IDFC FIRST Select Credit Card |
|---|---|---|
| CardCheck Score | 87/100Excellent | 88/100Excellent |
| Annual Fee | Free (₹0) | Free (₹0) |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 10% | 5% |
| Domestic Lounge Access | 2 / quarter | 2 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.49% | 1.5% |
Choose AU LIT Credit Card if:
Your spending centers around customizable rewards, cashback seekers, lounge and ott feature users and you want direct partner rewards with AU Small Finance Bank.
Choose IDFC FIRST Select Credit Card if:
Your spending aligns with lifetime-free mid-tier — 6x on select categories + 2 lounge/quarter and you prioritize IDFC FIRST Bank's redemption benefits.
Frequently asked questions: AU LIT Credit Card vs IDFC FIRST Select Credit Card
- Which is better: AU LIT Credit Card or IDFC FIRST Select Credit Card?
- IDFC FIRST Select Credit Card holds a higher overall rating with a CardCheck Score of 88/100 (Excellent) compared to 87/100 (Excellent) for AU LIT Credit Card (a lead of +1 points). IDFC FIRST Select Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- AU LIT Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, IDFC FIRST Select Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between AU LIT Credit Card and IDFC FIRST Select Credit Card?
- AU LIT Credit Card offers a base reward rate of 1% and up to 10% on accelerated partner categories. Meanwhile, IDFC FIRST Select Credit Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: AU LIT Credit Card or IDFC FIRST Select Credit Card?
- AU LIT Credit Card provides 2 domestic lounge visit(s) per quarter. On the other hand, IDFC FIRST Select Credit Card provides 2 domestic lounge visit(s) per quarter. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- AU LIT Credit Card levies a foreign currency markup fee of 3.49%, while IDFC FIRST Select Credit Card charges 1.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).