Head-to-head · 🇮🇳 India
ICICI Platinum Chip vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Platinum Chip
VISA
Wins 2 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 4 of 10
Verdict
AU Bank LIT wins 4-2. India's first customizable card — choose your perks each month. ICICI Platinum Chip is still the right call if lifetime free entry-tier icici card..
Side-by-side
| Criterion | ICICI Platinum Chip | AU Bank LIT |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 0.5% (general) | 1% (general) |
| Base reward rate | · 0.5% | 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = No welcome bonus — fee-free for life | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | ₹200,000 | · ₹300,000 |
| Min credit score | 700 | · 730 |
| Editorial rating | · 3.6/5 | 4.3/5 |
Benefits compared
ICICI Platinum Chip
- 2 PAYBACK points per ₹100
- 15% off at 800+ restaurants
- 1% fuel surcharge waiver
- Lifetime free, no annual fee ever
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 Platinum Chip vs AU Bank LIT: which is better?
AU Bank LIT wins on more dimensions (4 vs 2). 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 Platinum Chip 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 Platinum Chip: No welcome bonus — fee-free for life. AU Bank LIT: Customizable card features (toggle benefits on/off).