Head-to-head · 🇮🇳 India
ICICI HPCL Coral vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 4 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 4 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 HPCL Coral | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹199 | No annual fee |
| Joining fee | · ₹199 | None |
| Top reward rate | 5% (fuel) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 2,000 PAYBACK points on first transaction | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹50,000 / yr | · N/A (no fee) |
| Min income | ₹250,000 | · ₹300,000 |
| Min credit score | 720 | · 730 |
| Editorial rating | · 4/5 | 4.3/5 |
Benefits compared
ICICI HPCL Coral
- 5% cashback on HPCL fuel
- 4% on grocery + dining
- 2.5% on utility bills via DragonPass
- 1% fuel surcharge waiver
- 2 domestic lounge visits/year
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 HPCL Coral vs AU Bank LIT: which is better?
It's a true tie — pick the one whose boost categories match your spend. ICICI HPCL Coral wins on 4 criteria, AU Bank LIT on 4.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use ICICI HPCL 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 HPCL Coral: 2,000 PAYBACK points on first transaction. AU Bank LIT: Customizable card features (toggle benefits on/off).