Head-to-head · 🇮🇳 India
AU Bank LIT vs HDFC Marriott Bonvoy
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 4 of 10
IN
Premium
HDFC Bank
HDFC Marriott Bonvoy
DINERS CLUB
Wins 4 of 10
Verdict
It's a true tie, neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | AU Bank LIT | HDFC Marriott Bonvoy |
|---|---|---|
| Annual fee | No annual fee | · ₹3,000 |
| Joining fee | None | · ₹3,000 |
| Top reward rate | · 1% (general) | 8% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | = 3.5% | = N/A |
| Welcome bonus | = Customizable category boosts at sign-up | = 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status |
| Fee waiver threshold | · N/A (no fee) | ₹800,000 / yr |
| Min income | ₹360,000 | · ₹1,500,000 |
| Min credit score | 720 | · 770 |
| Editorial rating | · 4.4/5 | 4.5/5 |
Benefits compared
AU Bank LIT
- Customize 1 of 8 spend categories at any time
- 5x reward points on chosen category
- 1% fuel surcharge waiver
- 4 free domestic lounge visits/year
- No annual fee, ever
HDFC Marriott Bonvoy
- 8 Bonvoy points per ₹150 on Marriott
- 4 Bonvoy points per ₹150 on travel + dining
- 2 Bonvoy points per ₹150 on everything else
- 1 free night annually at Marriott (up to 15K Bonvoy point value)
- Marriott Bonvoy Silver Elite status (15 elite night credits)
- 8 international + 8 domestic lounge visits/year
FAQ
›AU Bank LIT vs HDFC Marriott Bonvoy: which is better?
It's a true tie, pick the one whose boost categories match your spend. AU Bank LIT wins on 4 criteria, HDFC Marriott Bonvoy on 4.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use AU Bank LIT for its best categories, HDFC Marriott Bonvoy for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
AU Bank LIT: Customizable category boosts at sign-up. HDFC Marriott Bonvoy: 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status.