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

AU LIT Credit Card has a lower annual fee (No joining or annual fee currently listed vs ₹799 annual fee).

Which card offers better lounge access?

AU LIT Credit Card: No complimentary lounge access. IndiGo Axis Bank Credit Card: 1 per quarter 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 IndiGo Credit Cards – Fees, Lounge, Forex

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

LIT

IndiGo

The short answer

Verdict

Pick IndiGo for lounge access.

Head-to-head

Three core metrics

Annual fee

LIT ₹0

IndiGo ₹799 Annual-fee waiver not offered

LIT saves ₹799/yr
Forex markup

LIT 3.49%

IndiGo 3.5%
Domestic lounge

LIT No complimentary lounge access

IndiGo 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

IndiGo: +4 lounge visits/yr

Reward earning explained

Per card

LIT

1 pt / ₹100

Limited data

IndiGo

1 pt / ₹100 · Up to 3 pts / ₹100 on Indigo

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 IndiGo: ₹799), forex markup (3.49% vs 3.5%), or lounge access (No complimentary lounge access vs 4/year (1 per quarter)).

Forex markup Tie

Both cards are similar for forex

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

Axis Bank IndiGo is better for lounge access

Axis Bank IndiGo is stronger here. Domestic lounge access is 1 per quarter.
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 IndiGo is not safely INR-comparable (no usable point value).

LIT: Limited data IndiGo: Strong data

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

AU LIT: Base earn not clearly specified
IndiGo Axis Bank: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	LIT AU Small Finance Bank	IndiGo Axis Bank
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats No complimentary lounge access vs 4/year (1 per quarter)	No complimentary lounge access	4/year (1 per quarter)
International lounge visits Only available for AU LIT	No international lounge access	Not specified
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 ₹799	₹0	₹799
Annual-fee waiver Only available for IndiGo Axis Bank	Not specified	Not offered
Monthly interest rate	3.75% / month	3.75% / month
Fuel benefit No surcharge waiver vs 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap	No surcharge waiver	1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap
Rewards
Points per ₹100	1 pt / ₹100	1 pt / ₹100
Earn ceiling Not stated vs 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend	Not stated	750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend

Notes

IndiGo Axis Bank 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 IndiGo

Verify with issuer