AU LIT Credit Card vs SimplyCLICK SBI Card: Which Earns You More? (2026)
Most comparisons show a spec sheet. This one does the maths: set your monthly spend and pick how you redeem points to see the honest net annual value in ₹ for each card — caps, exclusions, fee waivers and milestones applied. Card details verified 2026-07.
Your monthly spend
₹50,000/moMost cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
AU Small Finance Bank · fee ₹0
SBI Card · fee waived at your spend
Smart Verdict
Choose AU LIT Credit Card to earn an extra ~₹3,440
AU LIT Credit Card wins by ₹3,440/yr vs SimplyCLICK SBI Card, mainly from your groceries spend.Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
AU LIT Credit Card vs SimplyCLICK SBI Card at different spend levels
- At ₹25,000/month, AU LIT Credit Card nets ₹9,255/yr vs SimplyCLICK SBI Card at ₹6,475/yr — a ₹2,780 edge.
- At ₹50,000/month, AU LIT Credit Card nets ₹12,105/yr vs SimplyCLICK SBI Card at ₹8,665/yr — a ₹3,440 edge.
- At ₹1,00,000/month, AU LIT Credit Card nets ₹17,400/yr vs SimplyCLICK SBI Card at ₹12,880/yr — a ₹4,520 edge.
Worked examples use a typical category split at each spend level and cashback-mode point valuation. Your split changes the result.
Full specification comparison
| Feature | AU LIT Credit CardAU Small Finance Bank | SimplyCLICK SBI CardSBI Card |
|---|---|---|
| Annual fee | Lifetime free | ₹499/yr |
| Fee waiver | — | Spend ₹1,00,000/yr |
| Base reward | 1 pts / ₹100 | 1 pts / ₹100 |
| Top categories | 5x groceries, 5x dining, 10x online | 10x online, 5x online |
| Redemption | Moderate | Moderate |
| Point expiry | 24 months | 24 months |
| Lounge access | None⚠ Domestic lounge access available as paid feature (varies per quarter pricing). International lounge chargeable at up to USD 35/visit. | None |
| Forex markup | 3.49% | 3.5% |
| Fuel surcharge | 1% waiver, up to ₹500/mo | 1% waiver, up to ₹100/mo |
| Stated income | As specified by bank (entry-level) | Not stated |
| Recent devaluations | None recorded | None recorded |
| Verified against |
Frequently asked questions
Which is better, AU LIT Credit Card or SimplyCLICK SBI Card?
At a typical ₹50,000/month spend (cashback redemption), AU LIT Credit Card comes out ahead by about ₹3,440 per year, driven mostly by groceries spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, AU LIT Credit Card or SimplyCLICK SBI Card?
AU LIT Credit Card earns 1 pts/₹100 as a base, while SimplyCLICK SBI Card earns 1 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for AU LIT Credit Card and SimplyCLICK SBI Card?
AU LIT Credit Card: lifetime free. SimplyCLICK SBI Card: ₹499 + GST per year, waived on ₹1,00,000 annual spend.
Do AU LIT Credit Card and SimplyCLICK SBI Card earn rewards on rent, fuel and utilities?
Like most Indian cards, several everyday categories are excluded. AU LIT Credit Card excludes fuel, rent; SimplyCLICK SBI Card excludes fuel, rent. The calculator shows these as ₹0 earners so your net value stays honest.
Is SimplyCLICK SBI Card ever the better pick over AU LIT Credit Card?
Within a normal spend range at ₹50,000/month, AU LIT Credit Card stays ahead. SimplyCLICK SBI Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.