Head-to-head · 🇮🇳 India
ICICI Coral vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 3 of 10
IN
AU Small Finance Bank
AU Bank LIT
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 | ICICI Coral | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹500 | No annual fee |
| Joining fee | · ₹500 | None |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = Customizable category boosts at sign-up |
| Fee waiver threshold | ₹150,000 / yr | · N/A (no fee) |
| Min income | ₹240,000 | · ₹360,000 |
| Min credit score | 700 | · 720 |
| Editorial rating | · 4.2/5 | 4.4/5 |
Benefits compared
ICICI Coral
- 2 PAYBACK points per ₹100
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
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
›ICICI Coral vs AU Bank LIT: which is better?
It's a true tie — pick the one whose boost categories match your spend. ICICI Coral wins on 3 criteria, AU Bank LIT on 3.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use ICICI Coral 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?
ICICI Coral: 2,000 PAYBACK points on first 60-day spend. AU Bank LIT: Customizable category boosts at sign-up.