Head-to-head · 🇮🇳 India
ICICI Rubyx vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 1 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 6 of 10
Verdict
AU Bank LIT wins 6-1. India's first customizable card — choose your perks each month. ICICI Rubyx is still the right call if step up from coral — adds dual-network and milestone rewards..
Side-by-side
| Criterion | ICICI Rubyx | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹2,000 | No annual fee |
| Joining fee | · ₹3,000 | None |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 5,000 PAYBACK points + Tata CLiQ voucher | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹350,000 / yr | · N/A (no fee) |
| Min income | · ₹600,000 | ₹300,000 |
| Min credit score | · 760 | 730 |
| Editorial rating | · 4/5 | 4.3/5 |
Benefits compared
ICICI Rubyx
- Dual-network (Visa + Amex one card)
- 4 international + 6 domestic lounge visits/year
- 15% off Culinary Treats
- 25% off movie tickets
- Comprehensive insurance
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 Rubyx vs AU Bank LIT: which is better?
AU Bank LIT wins on more dimensions (6 vs 1). 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 Rubyx 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 Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher. AU Bank LIT: Customizable card features (toggle benefits on/off).