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 (₹0 vs ₹799).

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.

Lounge Axis Bank IndiGo

Quick comparison

Three core metrics

LIT AU Small Finance Bank

Annual fee ₹0 Waivable at ₹1,00,000 spend
Forex markup 3.49%
Domestic lounge No complimentary lounge access

IndiGo Axis Bank

Annual fee ₹799
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

Reward earning explained

Per card

LIT

1 pt / ₹100 on General spend

IndiGo

3 pts / ₹100 on Indigo + 2 pts / ₹100 on Grocery Dining

Pick based on what matters

2 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 1/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.

Verify with issuer

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.

Swipe for all fields

Field	LIT AU Small Finance Bank	IndiGo Axis Bank
Lounge Access
Domestic lounge visits No complimentary lounge access vs 1/quarter	No complimentary lounge access	1/quarter
Forex / International Use
Forex markup Source agreement differs — verify both. 3.49% vs 3.5%	3.49%	3.5%
Fees
Annual fee ₹0 vs ₹799	₹0	₹799
Joining fee ₹0 vs ₹799	₹0	₹799
Fee waiver spend Only available for AU LIT	₹1,00,000	Not specified
Rewards
Points per ₹100	1 pts	1 pts

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.