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

AU LIT Credit Card has a lower annual fee (No joining or annual fee currently listed vs ₹500 annual fee).

Which card offers better lounge access?

AU LIT Credit Card: No complimentary lounge access. Axis Bank My Zone 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 My Zone Credit Cards – Fees, Lounge, Forex

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

LIT

My Zone

The short answer

Verdict

Pick My Zone for lounge access.

Head-to-head

Three core metrics

Annual fee

LIT ₹0

My Zone ₹500 Annual-fee waiver not offered

LIT saves ₹500/yr
Forex markup

LIT 3.49%

My Zone 3.5%
Domestic lounge

LIT No complimentary lounge access

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

My Zone: +4 lounge visits/yr

Reward earning explained

Per card

LIT

1 pt / ₹100

Limited data

My Zone

2 EDGE Reward Points / ₹100

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 My Zone: ₹500), 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 My Zone wins

Axis Bank My Zone is better for lounge access

Axis Bank My Zone 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 My Zone conservative base value ~0.4% per ₹100.

LIT: Limited data My Zone: Strong data

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

My Zone: ~₹200/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	My Zone 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 Limited support — verify with issuer. 3.49% vs 3.5%	3.49%	3.5%
Fees
Recurring annual fee ₹0 vs ₹500	₹0	₹500
Annual-fee waiver Only available for My Zone	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 · ₹500/month waiver cap · Fuel rewards excluded	No surcharge waiver	1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded
Rewards
Points per ₹100 1 pt / ₹100 vs 2 EDGE Reward Points / ₹100	1 pt / ₹100	2 EDGE Reward Points / ₹100
Conservative base value Not safely INR-comparable vs ~0.4%	Not safely INR-comparable	~0.4%
Earn ceiling	Not stated	Not stated
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for My Zone	Not specified	₹0.2

Notes

Axis Bank My Zone 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 My Zone

Verify with issuer