AU Bank LIT vs HDFC MoneyBack+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC MoneyBack+ wins 4-3. Entry-level cashback with very low waiver bar. AU Bank LIT is still the right call if pick-your-own-categories, toggle 5x on the categories you spend in..
Side-by-side
| Criterion | AU Bank LIT | HDFC MoneyBack+ |
|---|---|---|
| Annual fee | No annual fee | · ₹500 |
| Joining fee | None | · ₹500 |
| Top reward rate | · 1% (general) | 5% (shopping) |
| Base reward rate | · 1% | 2% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable category boosts at sign-up | = 500 CashPoints on first transaction |
| Fee waiver threshold | · N/A (no fee) | ₹50,000 / yr |
| Min income | · ₹360,000 | ₹240,000 |
| Min credit score | = 720 | = 720 |
| Editorial rating | 4.4/5 | · 4.1/5 |
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 MoneyBack+
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
FAQ
›AU Bank LIT vs HDFC MoneyBack+: which is better?
HDFC MoneyBack+ wins on more dimensions (4 vs 3). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›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 MoneyBack+ 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 MoneyBack+: 500 CashPoints on first transaction.