Compare AU Bank LIT Credit Card vs Axis Bank Select Credit Card

Gain 10X or 5X reward points on all online domestic and international retail transactions
Gain 10X or 5X reward points on all POS and contactless offline domestic and international transactions
Avail 1 Reward Point per Rs. 100 spent on utility spends (Up to 100 reward points per transaction)
Avail 1 Reward Point per Rs. 100 on other spends including insurance
Cardholders will earn a maximum of 25,000 reward points in a statement cycle, excluding utility spends
Avail 1% fuel surcharge waiver on fuel transactions between Rs. 400 to Rs. 5,000

Milestone Cashback: Cardholders can earn up to 5% and 2% cashback on retail spending as per the following details:
a. Gain 5% cashback 3 times over a 90-day period for retail spends in addition to 1 Reward Point per Rs. 100 spent
b. Minimum retail spends of Rs. 7,500 and a maximum cashback of Rs. 500 over a period of 30 days
c. Gain 2% cashback 3 times over a 90-day period, for retail spends in addition to 1 Reward Point per Rs. 100 spent
d. Minimum retail spends of Rs. 10,000 & a maximum cashback of Rs. 1,000 over a period of 30 days
Additional 5% cashback for grocery and apparel spends in addition to 1 Reward Point per Rs. 100 spent
Maximum cashback of Rs. 1,000 per category over a period of 30 days
Avail up to 4 complimentary domestic lounge visits per 90 days
Avail 3 months membership of ZEE5
Avail 3 months membership of Amazon Prime
Avail 3 months membership of Cult pass Live subscription for home live workouts
Zero lost-card liability
Credit Shield can be availed up to Rs. 1.5 lakhs

Flat Rs. 500 off per month on minimum purchase of Rs. 3000 on Bigbasket mobile app/website. This is applicable once per month per user
Flat Rs. 200 off on Swiggy mobile app/website. Valid twice a month on minimum transaction of Rs. 1000 per order
12 complimentary International Airport Lounge access via Priority Pass Membership
2 complimentary domestic lounge visits per quarter on the spends of Rs. 50,000 in last 3 months
Do note that the Priority Pass will renew automatically when you have met Rs. 3 lakhs spends in preceding card anniversary year
6 complimentary golf rounds per year. Unlock 6 additional visits by spending Rs. 3 lakhs annually
Annual benefits: Priority Pass Membership renewal on annual spend of 3 Lakh. Renewal of offers on BigBasket and Swiggy
Get 5000 EDGE points on spending Rs. 3 Lakhs in a card anniversary year
Complete annual fee waiver on spending Rs. 8 Lakhs in a card anniversary year
Get 10 Axis EDGE points on every Rs. 200 spends
Get 2X per Rs. 200 on ‘Retail Shopping’ spends
Avail 2X EDGE REWARD Points up to cumulative transactions of Rs. 20,000 per month. For transactions done above Rs. 20,000 per months earn 10 EDGE REWARD Points
Explore curated experiences from across the world with Extraordinary Weekends
1% fuel surcharge refund on fuel transactions between Rs. 400 and Rs. 4000 only. Maximum benefits up to Rs. 400 per month.
Rs. 800 off and more via Axis Bank Dining Delight Program with EazyDiner
Purchase protection up to Rs. 1 Lakh
Cumulative cover up to USD 500 for loss of travel documents, delay of check-in baggage, and loss of check-in baggage cover
Wednesday Delight Offer: Get up to 15% on flights and hotels via Goibibo and Makemytrip, 10% off on orders via Swiggy and Amazon Fresh, 10% off up to Rs. 1000 on Tira

Pros

* Cardholders get the ability to customize features
* Avail 5% cashback on day-to-day categories
* Complimentary Amazon Prime, ZEE5 and Cult Fit memberships
* Accelerated rewards on online and offline spends

Cons

* No reward points on fuel and EMI spends
* The card has complicated feature-wise pricing structure

Pros

Flat Rs. 500 off per month on minimum purchase of Rs. 3000 on Bigbasket mobile app/website
12 complimentary International Airport Lounge access via Priority Pass Membership
2 complimentary domestic lounge visits per quarter on the spends of Rs. 50,000 in last 3 months

Cons