Head-to-head · 🇮🇳 India
ICICI Coral vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 3 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 4 of 10
Verdict
AU Bank LIT wins 4-3. Pick-your-own-categories, toggle 5x on the categories you spend in. ICICI Coral is still the right call if entry-tier card, easy approval, decent base earning, low fee..
Side-by-side
| Criterion | ICICI Coral | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹500 | No annual fee |
| Joining fee | · ₹500 | None |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | · N/A | Customizable category boosts at sign-up |
| Fee waiver threshold | ₹150,000 / yr | · N/A (no fee) |
| Min income | ₹240,000 | · ₹360,000 |
| Min credit score | 700 | · 720 |
| Editorial rating | · 4.2/5 | 4.4/5 |
Benefits compared
ICICI Coral
- 2 ICICI Bank Reward Points per ₹100 (no points on fuel)
- Milestone: 2,000 reward points at ₹2L spend, +1,000 per additional ₹1L, up to 10,000 per year
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
AU Bank LIT
- Customize 1 of 8 spend categories at any time
- 5x reward points on chosen category
- 1% fuel surcharge waiver
- 4 free domestic lounge visits/year
- No annual fee, ever
FAQ
›ICICI Coral vs AU Bank LIT: which is better?
AU Bank LIT wins on more dimensions (4 vs 3). 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 Coral 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 Coral doesn't list a welcome bonus. AU Bank LIT: Customizable category boosts at sign-up.