Head-to-head · 🇮🇳 India
AU Bank LIT vs ICICI Platinum Chip
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 Platinum Chip
VISA
Wins 2 of 10
Verdict
AU Bank LIT wins 3-2. Pick-your-own-categories — toggle 5x on the categories you spend in. ICICI Platinum Chip is still the right call if lifetime free entry-tier icici card..
Side-by-side
| Criterion | AU Bank LIT | ICICI Platinum Chip |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 1% (general) | · 0.5% (general) |
| Base reward rate | 1% | · 0.5% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable category boosts at sign-up | = No welcome bonus — fee-free for life |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | · ₹360,000 | ₹200,000 |
| Min credit score | · 720 | 700 |
| Editorial rating | 4.4/5 | · 3.6/5 |
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 Platinum Chip
- 2 PAYBACK points per ₹100
- 15% off at 800+ restaurants
- 1% fuel surcharge waiver
- Lifetime free, no annual fee ever
FAQ
›AU Bank LIT vs ICICI Platinum Chip: which is better?
AU Bank LIT wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›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 Platinum Chip 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 Platinum Chip: No welcome bonus — fee-free for life.