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 (₹0 vs ₹500).

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.

Lounge Axis Bank My Zone

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

My Zone Axis Bank

Annual fee ₹500
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

My Zone

2 pts / ₹100 on General spend (4 EDGE REWARD points per ₹200 (= 2/₹100). Exclud…

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 My Zone: ₹500), 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 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.

Verify with issuer

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.

Swipe for all fields

Field	LIT AU Small Finance Bank	My Zone 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 ₹500	₹0	₹500
Joining fee ₹0 vs ₹500	₹0	₹500
Fee waiver spend Only available for AU LIT	₹1,00,000	Not specified
Rewards
Points per ₹100 1 pts vs 2 pts	1 pts	2 pts
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

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