AU Bank LIT Credit Card vs HDFC RuPay UPI Credit Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, AU Bank LIT Credit Card comes out ahead on estimated net value — about ₹5,880/yr more than the HDFC RuPay UPI Credit Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | AU Bank LIT Credit Card Best value | HDFC RuPay UPI Credit Card |
|---|---|---|
| Issuer | AU Small Finance Bank | HDFC Bank |
| Annual fee | No annual fee | No annual fee |
| Welcome bonus | — | — |
| Min. income (monthly) | INR 25,000 | INR 25,000 |
| Reward type | cashback | cashback |
| Headline rate | 2% cashback | 3% cashback |
| Bonus categories | fuel, dining, online | groceries, upi_spends |
| Lounge access | Yes | No |
| Foreign tx fee | 1.99% | 3.5% |
| Est. net value / yr | ₹14,760 | ₹8,880 |
| Apply | Apply |
Frequently asked questions
- AU Bank LIT Credit Card vs HDFC RuPay UPI Credit Card: which is better?
- On our reference spend profile the AU Bank LIT Credit Card delivers higher estimated net value than the HDFC RuPay UPI Credit Card in India, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between AU Bank LIT Credit Card and HDFC RuPay UPI Credit Card?
- AU Bank LIT Credit Card: No annual fee. HDFC RuPay UPI Credit Card: No annual fee.
- Which earns more rewards, AU Bank LIT Credit Card or HDFC RuPay UPI Credit Card?
- AU Bank LIT Credit Card earns 2% cashback; HDFC RuPay UPI Credit Card earns 3% cashback. We rank by net value after fees, not headline rate alone.