Head-to-head · 🇮🇳 India
AU Bank LIT vs ICICI Sapphiro
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
Premium
ICICI Bank
ICICI Sapphiro
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 Sapphiro is still the right call if mid-premium with strong dining + travel mix..
Side-by-side
| Criterion | AU Bank LIT | ICICI Sapphiro |
|---|---|---|
| Annual fee | No annual fee | · ₹3,500 |
| Joining fee | None | · ₹6,500 |
| 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 | = 10,000 reward points worth ₹2,500 |
| Fee waiver threshold | · N/A (no fee) | ₹600,000 / yr |
| Min income | ₹360,000 | · ₹1,000,000 |
| Min credit score | 720 | · 780 |
| Editorial rating | 4.4/5 | · 4.3/5 |
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 Sapphiro
- 4 PAYBACK points per ₹100
- 2 complimentary international + 4 domestic lounge visits/year
- 15% off at 800+ restaurants (Culinary Treats)
- 25% off BookMyShow tickets
- Comprehensive travel insurance
FAQ
›AU Bank LIT vs ICICI Sapphiro: 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 Sapphiro 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 Sapphiro: 10,000 reward points worth ₹2,500.