Head-to-head · 🇮🇳 India
AU Bank LIT vs ICICI Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 3 of 10
IN
ICICI Bank
ICICI Coral
VISA
Wins 3 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | AU Bank LIT | ICICI Coral |
|---|---|---|
| Annual fee | No annual fee | · ₹500 |
| Joining fee | None | · ₹500 |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable category boosts at sign-up | = 2,000 PAYBACK points on first 60-day spend |
| Fee waiver threshold | · N/A (no fee) | ₹150,000 / yr |
| Min income | · ₹360,000 | ₹240,000 |
| Min credit score | · 720 | 700 |
| Editorial rating | 4.4/5 | · 4.2/5 |
Benefits compared
AU Bank LIT
- Customize 1 of 8 spend categories at any time
- 5x reward points on chosen category
- 1% fuel surcharge waiver
- 4 free domestic lounge visits/year
- No annual fee, ever
ICICI Coral
- 2 PAYBACK points per ₹100
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
FAQ
›AU Bank LIT vs ICICI Coral: which is better?
It's a true tie — pick the one whose boost categories match your spend. AU Bank LIT wins on 3 criteria, ICICI Coral on 3.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use AU Bank LIT for its best categories, ICICI Coral for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
AU Bank LIT: Customizable category boosts at sign-up. ICICI Coral: 2,000 PAYBACK points on first 60-day spend.