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Credit CardsComparisons

AU Bank LIT Credit Card vs ICICI Platinum Chip Card

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

Lifetime FreeCard A

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
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Lifetime FreeCard B
Annual Fee
Lifetime Free
Reward Rate
2 PAYBACK Points per ₹100
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Feature comparison

FeatureAU BankICICI Platinum
Annual FeeLifetime Free (base card; individual features cost ₹49–₹399 per 90-day cycle via AU 0101 app)Lifetime Free
Reward Rate1 RP per ₹100 base (0.25% effective); up to 5% cashback with activated features2 PAYBACK Points per ₹100
Best ForVariable Spenders Who Want Quarterly FlexibilityBank Offers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankICICI Platinum
Online shopping
Dining
Everyday spending
Airport lounge access

Quick verdict

Choose AU Bank LIT Credit Card if:

  • You spend heavily on online shopping
  • You spend heavily on dining
  • You spend heavily on airport lounge access

Choose ICICI Platinum Chip Card if:

    Full pros & cons

    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
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    ICICI Platinum Chip Card

    What's good
    • Zero maintenance cost — purely passive value
    • Unlocks exclusive ICICI e-commerce sale discounts
    • Accepted across all major Indian shopping platforms
    Watch out for
    • Very poor base reward rate outside sale events
    • No reward points on rent, e-wallet loads, government, and education spends (2026 change)
    • Reward points expire after 2 years of card inactivity
    Apply Now
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