Compare Credit Cards
Side-by-side comparison of AU Small Finance LIT vs IDFC FIRST Classic to help you find the best fit.
Fees & Charges
First Year FeeFREE
Renewal FeeFREE
0First Year FeeFREE
Renewal FeeFREE
0Rewards & Benefits
Reward Rate1 RP per ₹100 spent (Base); up to 10X via paid features
Cashback RateUp to 5% on category-specific spent (Grocery/Travel/Dining)
Welcome BonusZEE5 & Amazon Prime (3 months) on spending ₹10,000 in 90 days
Lounge AccessUp to 4 Domestic (Subscription based)
Fuel Surcharge Waiver
Reward Rate10X on spends >₹20k/month; 3X on others (Base: 1 RP per ₹200)
Cashback Rate5% cashback on first EMI transaction (up to ₹1000)
Welcome Bonus₹500 voucher on spending ₹5,000 in first 30 days
Lounge Access4 Railway Lounge visits/quarter
Fuel Surcharge Waiver
Eligibility
Min Income₹15,000/month
Min Credit Score650
Eligible For
salaried
self employed
Min Income₹25,000/month
Min Credit Score710
Eligible For
salaried
self employed
Top Features
- Pay only for features you use
- 5% cashback on groceries and apparel via subscription
- Up to 4 domestic lounge visits per year
- Zero loss liability cover of ₹1.5L
Categories
customizableLifestyleCashback
- 4 complimentary railway lounge visits per quarter
- Buy 1 Get 1 movie offer (up to ₹100/month)
- Interest-free cash withdrawals for 45 days (₹199 fee)
- Roadside assistance worth ₹1,399
Categories
LifestyleupiRewards