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Credit CardsComparisons

Amazon Pay ICICI vs AU Bank LIT Credit Card

A head-to-head comparison of Amazon Pay ICICI and AU Bank LIT Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

Lifetime FreeCard A

Amazon Pay ICICI

Amazon Loyalists

Annual Fee
Lifetime Free
Reward Rate
5% for Prime Members
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Lifetime FreeCard B

AU Bank LIT Credit Card

Variable Spenders Who Want Quarterly Flexibility

Annual Fee
Lifetime Free
Reward Rate
1 RP per ₹100 base (0.25% effective); up to 5% cashback with activated features
Apply Now Read full review →

Feature comparison

FeatureAmazon PayAU Bank
Annual FeeLifetime FreeLifetime Free (base card; individual features cost ₹49–₹399 per 90-day cycle via AU 0101 app)
Reward Rate5% for Prime Members1 RP per ₹100 base (0.25% effective); up to 5% cashback with activated features
Best ForAmazon LoyalistsVariable Spenders Who Want Quarterly Flexibility
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAmazon PayAU Bank
Online shopping
Dining
Everyday spending
Airport lounge access

Quick verdict

Choose Amazon Pay ICICI if:

    Choose AU Bank LIT Credit Card if:

    • You spend heavily on everyday spending
    • You spend heavily on dining
    • You spend heavily on airport lounge access

    Full pros & cons

    Amazon Pay ICICI

    What's good
    • Zero annual fee — forever free to hold
    • Cashback added instantly to Amazon Pay balance
    • 3% cashback for non-Prime members on Amazon
    • Reduced 1.99% forex markup on international transactions (since October 2025)
    Watch out for
    • Only 1% returns outside the Amazon ecosystem
    • Cashback redeemable only on Amazon India
    • No cashback on rent, EMI, utilities, fuel, taxes, education, and international transactions at non-Amazon merchants; gold coins, rent, taxes, education excluded on Amazon too
    • 1% fee on wallet loads of ₹5,000+ (since January 2026)
    Apply Now

    AU Bank LIT Credit Card

    What's good
    • Lifetime free base card — zero fixed annual cost
    • Fully customisable: swap lounge access, OTT subscriptions, dining cashback, or category rewards every 90 days
    • No commitment to benefits you will not use — pay only for what you activate
    • Available features include 5% cashback on online/grocery (₹149–₹299/qtr), lounge access (₹199–₹299/qtr), bundled OTT memberships
    Watch out for
    • Base reward rate of 0.25% is poor — card has no value without activated features
    • Activating 2–3 features costs ₹600–₹1,000/quarter (up to ₹4,000/year), potentially exceeding a flat annual fee card
    • Requires active management in the AU 0101 app — auto-renewals can catch users off-guard
    • ₹99 + GST redemption fee per transaction; 3.49% forex markup — not for international use
    Apply Now
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