AU LIT Credit Card vs IndusInd Bank Tiger Credit Card
AU Small Finance Bank · IndusInd Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
AU Small Finance BankScoreVery Good
Annual FeeFree
Max Reward10%
IndusInd BankScoreElite
Annual FeeFree
Max Reward6%
IndusInd Bank Tiger Credit Card leads overall with a CardCheck Score of 91/100 (+15 pts over AU LIT Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs IndusIndReward Power
35%AU35/35
IndusInd34/35
AU Wins
Fee Value & ROI
25%AU25/25
IndusInd25/25
Tie (25/25)
Lounge & Travel
20%AU4/20
IndusInd18/20
IndusInd Wins
Forex & Access
20%AU12/20
IndusInd14/20
IndusInd Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 76
- 91Best
- Rating Verdict
- Very Good
- Elite
- Reward Power (35%)
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 25/25
- 25/25
- Lounge & Travel (20%)
- 4/20
- 18/20
- Forex & Access (20%)
- 12/20
- 14/20
02—Basic Info
- Bank
- AU Small Finance Bank
- IndusInd Bank
- Network
- Visa
- Visa
- Card type
- Regular
- Co-branded
- Best for
- customizable rewards, cashback seekers, lounge and OTT feature users
- Sports & dining enthusiasts — accelerated rewards on fitness, dining, movies
03—Fees
- Joining fee
- Free
- Free
- Annual fee
- Free
- Free
- Fee waiver
- —
- Free
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 45%
- 42%Best
- APR (max)
- 45%
- 42%Best
- Late payment fee
- ₹1,100Best
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- hybrid
- points
- Min rate
- 1%
- 1%
- Max rate
- 10%Best
- 6%
- Points / ₹100
- 1
- 6Best
- Point value
- ₹0.25
- ₹0.4
- Monthly cap
- ₹500
- ₹5,000
06—Travel & Lounge
- Domestic lounge / qtr
- —
- 2
- Lounge spend criteria
- —
- No spend condition
- Intl lounge / year
- —
- 2
- 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
- —
- ₹25,000
- Min CIBIL
- —
- 750
- Invite only
Rows won
02of 07
05of 07
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 76 | 91Best |
| Rating Verdict | Very Good | Elite |
| Reward Power (35%) | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 25/25 | 25/25 |
| Lounge & Travel (20%) | 4/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | IndusInd Bank |
| Network | Visa | Visa |
| Card type | Regular | Co-branded |
| Best for | customizable rewards, cashback seekers, lounge and OTT feature users | Sports & dining enthusiasts — accelerated rewards on fitness, dining, movies |
03—Fees Differences highlighted | ||
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Fee waiver | — | Free |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 45% | 42%Best |
| APR (max) | 45% | 42%Best |
| Late payment fee | ₹1,100Best | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | hybrid | points |
| Min rate | 1% | 1% |
| Max rate | 10%Best | 6% |
| Points / ₹100 | 1 | 6Best |
| Point value | ₹0.25 | ₹0.4 |
| Monthly cap | ₹500 | ₹5,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | 2 |
| Lounge spend criteria | — | No spend condition |
| Intl lounge / year | — | 2 |
| 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 | — | ₹25,000 |
| Min CIBIL | — | 750 |
| Invite only | ||
| Rows won | 02of 07 | 05of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU LIT Credit Card | IndusInd Bank Tiger Credit Card |
|---|---|---|
| CardCheck Score | 76/100Very Good | 91/100Elite |
| Annual Fee | Free (₹0) | Free (₹0) |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 10% | 6% |
| Domestic Lounge Access | Check terms | 2 / quarter |
| International Lounge | None | 2 / year |
| 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 IndusInd Bank Tiger Credit Card if:
Your spending aligns with sports & dining enthusiasts — accelerated rewards on fitness, dining, movies and you prioritize IndusInd Bank's redemption benefits.
Frequently asked questions: AU LIT Credit Card vs IndusInd Bank Tiger Credit Card
- Which is better: AU LIT Credit Card or IndusInd Bank Tiger Credit Card?
- IndusInd Bank Tiger Credit Card holds a higher overall rating with a CardCheck Score of 91/100 (Elite) compared to 76/100 (Very Good) for AU LIT Credit Card (a lead of +15 points). IndusInd Bank Tiger 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, IndusInd Bank Tiger 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 IndusInd Bank Tiger Credit Card?
- AU LIT Credit Card offers a base reward rate of 1% and up to 10% on accelerated partner categories. Meanwhile, IndusInd Bank Tiger Credit Card offers a base rate of 1% and up to 6% 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 IndusInd Bank Tiger Credit Card?
- AU LIT Credit Card provides no complimentary airport lounge access. On the other hand, IndusInd Bank Tiger Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year) and 2 international lounge visits/year with Priority Pass.
- Which card is better for international foreign currency spends?
- AU LIT Credit Card levies a foreign currency markup fee of 3.49%, while IndusInd Bank Tiger 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).