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 4 of 10
Verdict
AU Bank LIT wins 4-3. India's first customizable card — choose your perks each month. ICICI Coral is still the right call if entry-tier card — easy approval, decent base earning, low fee..
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% | 1.99% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹150,000 / yr | · N/A (no fee) |
| Min income | ₹240,000 | · ₹300,000 |
| Min credit score | 700 | · 730 |
| Editorial rating | · 4.2/5 | 4.3/5 |
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
- Toggle between 4 benefit packs each month (cashback / travel / shopping / dining)
- 5x rewards on chosen category
- Lifetime free
- 4 domestic lounge visits/quarter
- 1% fuel surcharge waiver
FAQ
›ICICI Coral vs AU Bank LIT: which is better?
AU Bank LIT wins on more dimensions (4 vs 3). 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 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 card features (toggle benefits on/off).