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AU LIT vs AXIS ACE

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

LIT costs ₹499 less a year.

Head-to-head

  • Annual fee Annual fee outcome: tie.
    LIT ₹0
    ACE ₹499 Waivable at ₹2,00,000 spend
    ₹499/yr apart · waiver gates differ
  • Forex markup Forex markup outcome: tie.
    LIT 3.49%
    ACE 3.5%
    Tie
  • Domestic lounge Domestic lounge outcome: insufficient data to compare.
    LIT No complimentary lounge access
    ACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar months
  • Rewards Rewards outcome: insufficient data to compare.
    LIT Not safely INR-comparable
    ACE ~1.5%
    conservative base value
    LIT: Limited data ACE: Strong data

Reward earning explained

LIT

1 pt / ₹100

Limited data
ACE

1.5% · Up to 5% on Google Pay

Strong data

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.

All fields

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.

Related comparisons

Next useful checks

AU Small Finance Bank LIT

Verify with issuer , opens external site

Axis Bank ACE

Verify with issuer , opens external site
Data refreshed through 2 Oct 2026 moneymatters.cards Privacy Current Money Matters snapshot
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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