Head-to-head · 🇮🇳 India
AU Bank LIT vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 5 of 10
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 1 of 10
Verdict
AU Bank LIT wins 5-1. Pick-your-own-categories — toggle 5x on the categories you spend in. ICICI Rubyx is still the right call if step up from coral — adds dual-network and milestone rewards..
Side-by-side
| Criterion | AU Bank LIT | ICICI Rubyx |
|---|---|---|
| Annual fee | No annual fee | · ₹2,000 |
| Joining fee | None | · ₹3,000 |
| 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 | = 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | · N/A (no fee) | ₹350,000 / yr |
| Min income | ₹360,000 | · ₹600,000 |
| Min credit score | 720 | · 760 |
| 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 Rubyx
- Dual-network (Visa + Amex one card)
- 4 international + 6 domestic lounge visits/year
- 15% off Culinary Treats
- 25% off movie tickets
- Comprehensive insurance
FAQ
›AU Bank LIT vs ICICI Rubyx: which is better?
AU Bank LIT wins on more dimensions (5 vs 1). 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 Rubyx 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 Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.