AU Bank LIT vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
AU Bank LIT wins 7-1. Pick-your-own-categories, toggle 5x on the categories you spend in. Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | AU Bank LIT | Kotak White |
|---|---|---|
| Annual fee | No annual fee | · ₹3,000 |
| Joining fee | None | · ₹3,000 |
| Top reward rate | 1% (general) | · Milestone |
| Base reward rate | 1% | · Milestone |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable category boosts at sign-up | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | · N/A (no fee) | ₹500,000 / yr |
| Min income | ₹360,000 | · ₹2,500,000 |
| Min credit score | 720 | · N/A |
| Editorial rating | 4.4/5 | · 4.3/5 |
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
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›AU Bank LIT vs Kotak White: which is better?
AU Bank LIT wins on more dimensions (7 vs 1). But the right answer depends on your specific spending pattern, see the calculator below.
›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, Kotak White 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. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.