Head-to-head · 🇮🇳 India
AU Bank LIT vs ICICI HPCL 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 HPCL 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 HPCL Coral |
|---|---|---|
| Annual fee | No annual fee | · ₹199 |
| Joining fee | None | · ₹199 |
| Top reward rate | · 1% (general) | 5% (fuel) |
| 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 transaction |
| Fee waiver threshold | · N/A (no fee) | ₹50,000 / yr |
| Min income | · ₹360,000 | ₹250,000 |
| Min credit score | = 720 | = 720 |
| Editorial rating | 4.4/5 | · 4/5 |
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 HPCL Coral
- 5% cashback on HPCL fuel
- 4% on grocery + dining
- 2.5% on utility bills via DragonPass
- 1% fuel surcharge waiver
- 2 domestic lounge visits/year
FAQ
›AU Bank LIT vs ICICI HPCL 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 HPCL 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 HPCL 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 HPCL Coral: 2,000 PAYBACK points on first transaction.