Head-to-head · 🇮🇳 India
Amazon Pay ICICI vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
Amazon Pay ICICI
VISA
Wins 3 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 0 of 10
Verdict
Amazon Pay ICICI wins 3-0. Heavy Amazon shoppers — best free card in India AU Bank LIT is still the right call if pick-your-own-categories — toggle 5x on the categories you spend in..
Side-by-side
| Criterion | Amazon Pay ICICI | AU Bank LIT |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = ₹500 Amazon Pay balance on first transaction | = Customizable category boosts at sign-up |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | ₹300,000 | · ₹360,000 |
| Min credit score | = 720 | = 720 |
| Editorial rating | 4.7/5 | · 4.4/5 |
Benefits compared
Amazon Pay ICICI
- 5% cashback on Amazon for Prime members (3% non-Prime)
- 2% cashback on 100+ Amazon Pay merchants (Swiggy, BigBasket, MakeMyTrip)
- 1% cashback on every other transaction
- No annual fee, no joining fee, ever
- 1% fuel surcharge waiver
- No reward expiry, no minimum redemption
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
FAQ
›Amazon Pay ICICI vs AU Bank LIT: which is better?
Amazon Pay ICICI wins on more dimensions (3 vs 0). 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 Amazon Pay ICICI for its best categories, AU Bank LIT for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amazon Pay ICICI: ₹500 Amazon Pay balance on first transaction. AU Bank LIT: Customizable category boosts at sign-up.