ICICI Emeralde Private Metal vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
AU Bank LIT wins 5-4. India's first customizable card — choose your perks each month. ICICI Emeralde Private Metal is still the right call if high-net-worth families wanting universal 6 icici points/₹100..
Side-by-side
| Criterion | ICICI Emeralde Private Metal | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹12,499 | No annual fee |
| Joining fee | · ₹12,499 | None |
| Top reward rate | 6% (general) | · 1% (general) |
| Base reward rate | 6% | · 1% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = Taj Epicure / EazyDiner Prime / Times Prime annual membership | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹1,500,000 / yr | · N/A (no fee) |
| Min income | · ₹5,000,000 | ₹300,000 |
| Min credit score | · 800 | 730 |
| Editorial rating | 4.8/5 | · 4.3/5 |
Benefits compared
ICICI Emeralde Private Metal
- Unlimited domestic + international lounge access for self & guest
- 6 reward points per ₹100 across all categories
- Taj Epicure annual membership included
- 24x7 concierge + Golf privileges
- 2% forex markup
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 Emeralde Private Metal vs AU Bank LIT: which is better?
AU Bank LIT wins on more dimensions (5 vs 4). 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 Emeralde Private Metal 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 Emeralde Private Metal: Taj Epicure / EazyDiner Prime / Times Prime annual membership. AU Bank LIT: Customizable card features (toggle benefits on/off).