AU Bank LIT vs Kotak White Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
AU Bank LIT wins 6-3. Pick-your-own-categories, toggle 5x on the categories you spend in. Kotak White Reserve is still the right call if ultra-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | AU Bank LIT | Kotak White Reserve |
|---|---|---|
| Annual fee | No annual fee | · ₹12,500 |
| Joining fee | None | · ₹12,500 |
| Top reward rate | 1% (general) | · Milestone |
| Base reward rate | 1% | · Milestone |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | Customizable category boosts at sign-up | · N/A |
| Fee waiver threshold | · N/A (no fee) | ₹1,000,000 / yr |
| Min income | = ₹360,000 | = Not verified |
| Min credit score | 720 | · N/A |
| Editorial rating | · 4.4/5 | 4.6/5 |
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 Reserve
- Milestone White Pass rewards, up to ₹2.5 lakh value per year
- Club Marriott membership (up to 25% off dining in India, up to 20% across Asia Pacific)
- 2% forex markup
- Annual fee waived at ₹10 lakh annual spend
FAQ
›AU Bank LIT vs Kotak White Reserve: which is better?
AU Bank LIT wins on more dimensions (6 vs 3). 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 Reserve 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 Reserve doesn't list a welcome bonus.