AU Small Finance Bank LIT vs Amazon Pay ICICI
A field-by-field comparison of fees, reward rates, accelerated categories, caps, exclusions, lounge access and forex markup, using each issuer's own published terms. Affiliate payout never decides the verdict.
Short answer
AU Small Finance Bank LIT and Amazon Pay ICICI differ first on recurring cost: AU Small Finance Bank LIT has an annual fee of ₹0 against ₹0 for Amazon Pay ICICI, so holding cost is identical. On rewards, AU Small Finance Bank LIT earns 1 Reward Point per ₹100 on eligible retail spend while Amazon Pay ICICI earns 1% in Amazon Pay balance. Amazon Pay ICICI has the lower forex markup at 1.99%. Neither card wins outright: the better choice depends on which accelerated categories match your spend, the monthly caps, the exclusions and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
| Feature | AU Small Finance Bank LIT | Amazon Pay ICICI |
|---|---|---|
| Issuer | AU Small Finance Bank | ICICI Bank |
| Joining fee | ₹0 | ₹0 |
| Annual fee | ₹0 | ₹0 |
| Fee waiver | No waiver recorded | No waiver recorded |
| Base rewards | 1 Reward Point per ₹100 on eligible retail spend | 1% in Amazon Pay balance |
| Accelerated routes | Up to 10 Reward Points per ₹100 with a separately paid 90-day feature · Up to 5% cashback with a separately paid 90-day feature | Amazon (Prime members) · Amazon (non-Prime) · Amazon Pay partner merchants |
| Reward exclusions | fuel, rent, cash advance, school, government, quasi cash | fuel, rent, gift cards, wallet load |
| Forex markup | 3.49% | 1.99% |
| Domestic lounge | available only as a paid selectable feature | none |
| International lounge | none | none |
| Card networks | Visa | Visa, RuPay |
| Best suited to | customization, first card, experimenters | amazon, cashback, first card, lifetime free |
| Issuer evidence | Checked 2026-08-01 | Checked 2026-07-16 |
Frequently asked questions
Is the AU Small Finance Bank LIT better than the Amazon Pay ICICI?
Neither is universally better. AU Small Finance Bank LIT charges ₹0 a year and earns 1 Reward Point per ₹100 on eligible retail spend; Amazon Pay ICICI charges ₹0 and earns 1% in Amazon Pay balance. The better card is the one whose accelerated categories, caps and exclusions match your actual spending, after subtracting the annual fee and GST.
Which of the two has the lower annual fee, AU Small Finance Bank LIT or Amazon Pay ICICI?
Both cards carry the same recorded annual fee of ₹0, so the decision rests on rewards, caps and exclusions rather than holding cost.
Which is better for international spending, AU Small Finance Bank LIT or Amazon Pay ICICI?
Amazon Pay ICICI publishes the lower forex markup at 1.99% versus 3.49%. Also confirm whether international transactions earn rewards, since some issuers exclude them.
Can I hold both cards together?
Yes, provided each is approved on its own merits and you can pay both statements in full. Holding both makes sense only when their accelerated categories do not overlap; otherwise the second card adds an annual fee without adding rewards.