AU Zenith vs LIT card?

Zenith if both ltf

legend101 wrote:

Zenith if both ltf

Only for international lounge access outside India via priority pass. LIT card on the other hand can give more cb if used with proper planning.

legend101 wrote:

Zenith if both ltf

...and why ?

guest_999 wrote:
Only for international lounge access outside India via priority pass. LIT card on the other hand can give more cb if used with proper planning.

%?

LIT

demerius2020 wrote:
%?

Zenith has worse reward program than all the cards you mentioned, only thing it has is free international lounge access via priority pass which none of those cards you mentioned have. For LIT card, you have to pay to activate rewards program so you have to plan carefully how much cb you plan to get so after paying for it you still have decent cb left.

I am wondering when you have this combination of CCs (esp SBI CB + Axis Ace), why do you need another card? & that too AU card?

rn09 wrote:

I am wondering when you have this combination of CCs (esp SBI CB + Axis Ace), why do you need another card? & that too AU card?

guess i am the " alice Bob in Wonderland"... ok see my comment below

guest_999 wrote:

Zenith has worse reward program than all the cards you mentioned, only thing it has is free international lounge access via priority pass which none of those cards you mentioned have. For LIT card, you have to pay to activate rewards program so you have to plan carefully how much cb you plan to get so after paying for it you still have decent cb left.

• Zenith give 20 Reward Points per INR 100 retail spends done on Dining at standalone restaurants, 1RP=0.25 20RP=5% for dining offline use (current portfolio wud provide 2% thru axis ace max) or am i missing something? also some milestone is also there,Yes easydiner offers wud be a better deal but they have random t&c at selective restaurant only; wallet payment at restaurant using amex mrcc wont cross 3.8% beside many have UPI only 

dont understand LIT programs(how it's beneficial anyway if u puting X amt of money ? u wud need Y purchase to start benefiting) if u throw some light (with ex. scenario )on it in terms of % benefit over zenith?

Dont care about international lounge as no plan for it in near future , beside have other cards for it 

monu.tanwar123262 wrote:

LIT

reason?

guest_999 wrote:

Zenith has worse reward program than all the cards you mentioned, only thing it has is free international lounge access via priority pass which none of those cards you mentioned have. For LIT card, you have to pay to activate rewards program so you have to plan carefully how much cb you plan to get so after paying for it you still have decent cb left.

Is it possible to get more than 2% cashback using LIT card for education payments?

AFAIK, If we use those add-ons, the max we can get is 2% cashback.

demerius2020 wrote:

• Zenith give 20 Reward Points per INR 100 retail spends done on Dining at standalone restaurants, 1RP=0.25 20RP=5% for dining offline use (current portfolio wud provide 2% thru axis ace max) or am i missing something? also some milestone is also there,Yes easydiner offers wud be a better deal but they have random t&c at selective restaurant only; wallet payment at restaurant using amex mrcc wont cross 3.8% beside many have UPI only 

dont understand LIT programs(how it's beneficial anyway if u puting X amt of money ? u wud need Y purchase to start benefiting) if u throw some light (with ex. scenario )on it in terms of % benefit over zenith?

Dont care about international lounge as no plan for it in near future , beside have other cards for it 

Such cb depends on MCC code of the swipe machine being used at the restaurant & not all restaurant have registered their machine under correct Restaurant MCC code especially in small cities/small restaurants not to mention I am not even sure if all restaurants don't charge extra for cc payments.

For LIT card see this:

IDandPW-1.jpg (1835×1378) (desidime.com)

bdatta1981 wrote:
Is it possible to get more than 2% cashback using LIT card for education payments?

AFAIK, If we use those add-ons, the max we can get is 2% cashback.

IDandPW-1.jpg (1835×1378) (desidime.com)

guest_999 wrote:
Such cb depends on MCC code of the swipe machine being used at the restaurant & not all restaurant have registered their machine under correct Restaurant MCC code especially in small cities/small restaurants not to mention I am not even sure if all restaurants don't charge extra for cc payments.

For LIT card see this:

IDandPW-1.jpg (1835×1378) (desidime.com)

-Such cb depends on MCC code of the swipe machine being used at the restaurant & not all restaurant have registered their machine under incorrect Restaurant MCC code especially in Big cities/Big restaurants(also i live in delhi (fairly BIG ) and have phonepay/paytm for local/streetfood aka 'small restaurant' as alternative ), i do visit "BIG RESTAURANT WITH CORRECT MCC IN BIG CITIES SO",also to mention I am not even sure if all restaurants charge extra for cc payments as i havent seen/gone to one such yet

-also both zenith and lit are from aubank the dining correct/incorrect MCC  logic will apply to both uniformly , in comparison we talk about diff.,

-this big city/small city ,big restaurant/small restaurant logic dont make any sense

-as Bcoz even after asking for nth time for %comparison i haven't got any from the bright minds here i myself will make comparison and post up here for everyone else who come here in future seeking the same , will review find all links & TNC thru google 😊

-thanks for your detailed ,motivating and usefull comment !!

guest_999 wrote:

IDandPW-1.jpg (1835×1378) (desidime.com)

Thanks but that doesn't answer my question. I already know that by paying Rs 299 one can get 10x reward points for online transaction. But after the 1 RP = Rs 0.25 conversion, it calculates to 2% cashback only. So looks like Axis ACE card is still the best at the moment. 

bdatta1981 wrote:
Thanks but that doesn't answer my question. I already know that by paying Rs 299 one can get 10x reward points for online transaction. But after the 1 RP = Rs 0.25 conversion, it calculates to 2% cashback only. So looks like Axis ACE card is still the best at the moment. 

If an answer doesnt answer your question then it is not an answer and so no thanks

demerius2020 wrote:

-Such cb depends on MCC code of the swipe machine being used at the restaurant & not all restaurant have registered their machine under incorrect Restaurant MCC code especially in Big cities/Big restaurants(also i live in delhi (fairly BIG ) and have phonepay/paytm for local/streetfood aka 'small restaurant' as alternative ), i do visit "BIG RESTAURANT WITH CORRECT MCC IN BIG CITIES SO",also to mention I am not even sure if all restaurants charge extra for cc payments as i havent seen/gone to one such yet

-also both zenith and lit are from aubank the dining correct/incorrect MCC  logic will apply to both uniformly , in comparison we talk about diff.,

-this big city/small city ,big restaurant/small restaurant logic dont make any sense

-as Bcoz even after asking for nth time for %comparison i haven't got any from the bright minds here i myself will make comparison and post up here for everyone else who come here in future seeking the same , will review find all links & TNC thru google 😊

-thanks for your detailed ,motivating and usefull comment !!

Earn 20X Points per INR 100 retail spends on Dining at standalone restaurants

It means fast food chains, corporate chain restaurants, restaurants inside hotels/pubs etc may not count under "standalone restaurant".

bdatta1981 wrote:
Thanks but that doesn't answer my question. I already know that by paying Rs 299 one can get 10x reward points for online transaction. But after the 1 RP = Rs 0.25 conversion, it calculates to 2% cashback only. So looks like Axis ACE card is still the best at the moment. 

You can combine with some milestone achievement reward pack if amt is large enough.

guest_999 wrote:

Earn 20X Points per INR 100 retail spends on Dining at standalone restaurants

It means fast food chains, corporate chain restaurants, restaurants inside hotels/pubs etc may not count under "standalone restaurant".

why dont u understand or if i am not able to understand?

the thing u mention wud apply SAME to both AU LIT card and AU Zenith card .SO WHERE IS THE DIFFERNCE THAT I AM ASKING??

demerius2020 wrote:

why dont u understand or if i am not able to understand?

the thing u mention wud apply SAME to both AU LIT card and AU Zenith card .SO WHERE IS THE DIFFERNCE THAT I AM ASKING??

Zenith only has this dining benefit while LIT card has multiple options(even if all paid) so more flexible to use in any situation especially when need to buy something on an urgent basis & no good card offer is available. You can activate 299 plan for 90 days which will give additional 5% on all dining expenses(no standalone restaurant condition so even McD/swiggy/zomato will work) so total 5.25% minus 299.

guest_999 wrote:
Zenith only has this dining benefit while LIT card has multiple options(even if all paid) so more flexible to use in any situation especially when need to buy something on an urgent basis & no good card offer is available. You can activate 299 plan for 90 days which will give additional 5% on all dining expenses(no standalone restaurant condition so even McD/swiggy/zomato will work) so total 5.25% minus 299.

1.what does X come to in LIT chart max?

2 does addiional as memtioned means over and above base rate? if so what is the base rate?

3, as what i can see only dining 5% and offline retail 10X may be of any good as all for all other sbi cashback online 5% be a better and straight approach, dining is alrady there in zenith at 5% ,retail if X=0.25 wud be 2.25% a little better then axis ace 2%, by that zenith may be a better deal for me which also have milestone and none of this paid addon t&c

demerius2020 wrote:

1.what does X come to in LIT chart max?

2 does addiional as memtioned means over and above base rate? if so what is the base rate?

3, as what i can see only dining 5% and offline retail 10X may be of any good as all for all other sbi cashback online 5% be a better and straight approach, dining is alrady there in zenith at 5% ,retail if X=0.25 wud be 2.25% a little better then axis ace 2%, by that zenith may be a better deal for me which also have milestone and none of this paid addon t&c

LIT card base reward is 1 point(0.25 paisa) per Rs.100 spend. Additional means over & above base rate which in case of dining reward pack means 5% cb+base reward of 0.25% per Rs.100 spent(all details mentioned in that pic link I posted earlier). LIT also has milestone reward packs. You can also combine reward addon packs so combining offline pack with dining pack should be also possible(actual users will be able to confirm though if still valid). Like I said, using LIT card requires planning but once done it is worth it. However if not interested in spending time on such planning & need free international lounge access/20x on standalone restaurants then zenith is better.

guest_999 wrote:

LIT card base reward is 1 point(0.25 paisa) per Rs.100 spend. Additional means over & above base rate which in case of dining reward pack means 5% cb+base reward of 0.25% per Rs.100 spent(all details mentioned in that pic link I posted earlier). LIT also has milestone reward packs. You can also combine reward addon packs so combining offline pack with dining pack should be also possible(actual users will be able to confirm though if still valid). Like I said, using LIT card requires planning but once done it is worth it. However if not interested in spending time on such planning & need free international lounge access/20x on standalone restaurants then zenith is better.

1)  I am interested in spending time on such planning & DO NOT  need free international lounge access.

2)   5% cb+base reward of 0.25% per Rs.100 spent=5.25% , wont zenitih too will do that with perpective milestone  ?

3)all else addon in your pic are useless for me as already have sbi cashback 5% for other online use , in offline i wan to target only non-easydiner BIG standalone restaurant which already wud have coverage by zenith 5% so why pay 299+GST for addon pack of LIT for that ?

Are you talking about these milestone benefits because I don't see any reasonable/genuine way of achieving those when already having other good cards(click on image & open in new tab & change "medium" in image url to "original" & reload the link to see image in original resolution if it doesn't open by default in original resolution).

None of the cards in the past many years I have found that can be bought on a C2C basis. Still struggling to get one credit card on C2C basis with no income details required. Is there any card that is LTF and is issued on the basis of your civil score and previous CC report? If any then pls share the exact link so that I can apply and get it without any hassle.
PS: I have an excellent cibil score and my HDFC CC is 3 yrs old too.

TastyKhana wrote:

None of the cards in the past many years I have found that can be bought on a C2C basis. Still struggling to get one credit card on C2C basis with no income details required. Is there any card that is LTF and is issued on the basis of your civil score and previous CC report? If any then pls share the exact link so that I can apply and get it without any hassle.
PS: I have an excellent cibil score and my HDFC CC is 3 yrs old too.

Try au swipe up, by entering hdfc premium or indusind premium card.

You should get AU Zenith LTF

avgn wrote:

Try au swipe up, by entering hdfc premium or indusind premium card.

You should get AU Zenith LTF

Not working 

This LIT thing is so confusing. Like why don't they just state so and so amount of fees for % of cashback. In the name of customisation, they're creating confusion. Regret applying for this.