Head-to-head · 🇮🇳 India
ICICI Sapphiro vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
ICICI Bank
ICICI Sapphiro
VISA
Wins 1 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 5 of 10
Verdict
AU Bank LIT wins 5-1. India's first customizable card — choose your perks each month. ICICI Sapphiro is still the right call if mid-premium with strong dining + travel mix..
Side-by-side
| Criterion | ICICI Sapphiro | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹3,500 | No annual fee |
| Joining fee | · ₹6,500 | None |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 10,000 reward points worth ₹2,500 | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹600,000 / yr | · N/A (no fee) |
| Min income | · ₹1,000,000 | ₹300,000 |
| Min credit score | · 780 | 730 |
| Editorial rating | = 4.3/5 | = 4.3/5 |
Benefits compared
ICICI Sapphiro
- 4 PAYBACK points per ₹100
- 2 complimentary international + 4 domestic lounge visits/year
- 15% off at 800+ restaurants (Culinary Treats)
- 25% off BookMyShow tickets
- Comprehensive travel 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 Sapphiro vs AU Bank LIT: which is better?
AU Bank LIT wins on more dimensions (5 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 Sapphiro 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 Sapphiro: 10,000 reward points worth ₹2,500. AU Bank LIT: Customizable card features (toggle benefits on/off).