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| Feature | AU Small Finance Bank AU Small Finance Bank LIT Credit Card | ICICI Bank Amazon Pay ICICI Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | AU Small Finance Bank | ICICI Bank |
| Network | Visa | Visa |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 0.3% | 1% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 2.0% |
| Monthly income requirement | Approx. ₹25,000/month | Approx. ₹20,000/month salaried · ₹30,000/month self-employed |
| Terms verified | 13 Sept 2026 | 14 Sept 2026 |
| Best suited to | Cost-conscious consumers who value modularity and zero fixed maintenance fees. | Amazon Prime shoppers who want a no-fee card and are comfortable receiving rewards as Amazon Pay balance. |
| Main trade-off | GainFair values only the base rewards. Paid feature packs require activation, remain active for their feature period and auto-renew unless disabled. | The 5% Amazon rate requires Prime membership; non-Prime members get 3%. International, education, fuel, rent and tax transactions earn no rewards. Utility payments outside Amazon and EMI transactions also earn no rewards. The card is invite-only. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
