Head-to-head · 🇮🇳 India
ICICI MMT Signature vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI MMT Signature
Wins 4 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 5 of 10
Verdict
AU Bank LIT wins 5-4. India's first customizable card — choose your perks each month. ICICI MMT Signature is still the right call if makemytrip loyalists — co-branded with strong travel benefits..
Side-by-side
| Criterion | ICICI MMT Signature | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹2,500 | No annual fee |
| Joining fee | · ₹2,500 | None |
| Top reward rate | 6% (travel) | · 1% (general) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | · 2.5% | 1.99% |
| Welcome bonus | = ₹2,500 MMT Black holidays voucher | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹600,000 / yr | · N/A (no fee) |
| Min income | · ₹800,000 | ₹300,000 |
| Min credit score | · 770 | 730 |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
ICICI MMT Signature
- 6% myCash on flight + hotel bookings via MMT
- 3% myCash on dining + grocery
- 1.5% on others
- 4 international + 4 domestic lounge visits/year
- MMT Black membership
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 MMT Signature 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 MMT Signature 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 MMT Signature: ₹2,500 MMT Black holidays voucher. AU Bank LIT: Customizable card features (toggle benefits on/off).