Which card has a lower forex fee: AU LIT Credit Card or Axis Bank ACE Credit Card?

AU LIT Credit Card has lower forex markup (3.49% vs 3.5%).

Which card has a lower annual fee: AU LIT Credit Card or Axis Bank ACE Credit Card?

AU LIT Credit Card has a lower annual fee (No joining or annual fee currently listed vs ₹499 annual fee).

Which card offers better lounge access?

AU LIT Credit Card: No complimentary lounge access. Axis Bank ACE Credit Card: 4 per year domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

AU Small Finance Bank LIT vs Axis Bank ACE Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the AU Small Finance Bank LIT and the Axis Bank ACE. Verify fees, lounge access, forex markup, and base rewards before you apply.

LIT

ACE

The short answer

Verdict

Pick ACE for lounge access.

Head-to-head

Three core metrics

Annual fee

LIT ₹0

ACE ₹499 Waivable at ₹2,00,000 spend

LIT saves ₹499/yr
Forex markup

LIT 3.49%

ACE 3.5%
Domestic lounge

LIT No complimentary lounge access

ACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar months

ACE: +4 lounge visits/yr

Reward earning explained

Per card

LIT

1 pt / ₹100

Limited data

ACE

1.5% · Up to 5% on Google Pay

Strong data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (AU Small Finance Bank LIT: ₹0 vs Axis Bank ACE: ₹499), forex markup (3.49% vs 3.5%), or lounge access (No complimentary lounge access vs 4/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.49%. Forex markup is 3.5%.
Lounge access Axis Bank ACE wins

Axis Bank ACE is better for lounge access

Axis Bank ACE is stronger here. Domestic lounge access is 4 per year.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: AU Small Finance Bank LIT is not safely INR-comparable (no usable point value). Axis Bank ACE conservative base value ~1.5% per ₹100.

LIT: Limited data ACE: Strong data

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

ACE: ~₹750/month at base rate
AU LIT: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	LIT AU Small Finance Bank	ACE Axis Bank
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats No complimentary lounge access vs 4/year	No complimentary lounge access	4/year
International lounge visits	No international lounge access	No international lounge access
Forex / International Use
Forex markup Source agreement differs — verify both. 3.49% vs 3.5%	3.49%	3.5%
Fees
Recurring annual fee ₹0 vs ₹499	₹0	₹499
Annual-fee waiver Only available for ACE	Not specified	₹2,00,000
Monthly interest rate	3.75% / month	3.75% / month
Fuel benefit No surcharge waiver vs 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap	No surcharge waiver	1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap
Rewards
Base earn 1 pt / ₹100 vs 1.5%	1 pt / ₹100	1.5%
Conservative base value Not safely INR-comparable vs ~1.5%	Not safely INR-comparable	~1.5%
Earn ceiling Not stated vs ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic)	Not stated	₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic)
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for ACE	Not specified	₹1

Notes

Axis Bank ACE Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

AU Small Finance Bank LIT

Verify with issuer

Axis Bank ACE

Verify with issuer