Amazon Pay ICICI Bank Credit Card vs AU Bank LIT Credit Card
How Amazon Pay ICICI Bank Credit Card and AU Bank LIT Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend.
Amazon Pay ICICI Bank Credit Card — better for amazon regulars who want a genuinely no-fee everyday cashback card.
AU Bank LIT Credit Card — better for people who want a free base card and pay only for features they switch on.
Side by side
| Amazon Pay ICICI Bank Credit CardICICI Bank | AU Bank LIT Credit CardAU Small Finance Bank | |
|---|---|---|
| Annual fee | Nil — lifetime-free | Nil base (optional packs ₹49–₹399) |
| Reward rate | 5% Amazon (Prime) / 3% (non-Prime); 2% partners; 1% else; no cap | Base 1 RP/₹100; up to 5X/10X with paid feature packs (cap ~10k RP/cycle) |
| Lifetime-free | Yes | Yes |
| Network | Visa | Visa |
| Eligibility | 21+ yrs; salaried ₹20k+/mo or self-employed ₹30k+/mo (invite-based) | Salaried 21–60 / self-employed 25–65 yrs; resident Indian |
| Best for | Amazon regulars who want a genuinely no-fee everyday cashback card. | People who want a free base card and pay only for features they switch on. |
Amazon Pay ICICI Bank Credit Card
- Lifetime-free — no joining or annual fee, ever
- 5% on Amazon (Prime) / 3% (non-Prime), 2% at Amazon Pay partners, 1% on the rest
- No reward cap; cashback credited as Amazon Pay balance
AU Bank LIT Credit Card
- Lifetime-free base — ₹0 joining and ₹0 annual fee
- Customisable: turn on 90-day feature packs (₹49–₹399) for up to 5X/10X rewards
- Base 1 reward point per ₹100 (~0.25%); packs add accelerated rewards (cap ~10,000 RP/cycle)
Amazon Pay ICICI Bank Credit Card vs AU Bank LIT Credit Card — FAQs
Neither is universally better. Amazon Pay ICICI Bank Credit Card suits amazon regulars who want a genuinely no-fee everyday cashback card. AU Bank LIT Credit Card suits people who want a free base card and pay only for features they switch on. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend. On rewards, Amazon Pay ICICI Bank Credit Card gives 5% back on amazon for prime members (3% non-prime), with no annual fee, ever. whereas AU Bank LIT Credit Card gives lifetime-free base; switch on benefit packs only in the cycles you want them.
Amazon Pay ICICI Bank Credit Card: Nil — lifetime-free. AU Bank LIT Credit Card: Nil base (optional packs ₹49–₹399). Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.