LIT Credit Card
Rs 0Annual fee
0Domestic lounge
Domestic lounge conditions
- LIT card has no default complimentary airport lounge access. Domestic airport lounge access (1 or 2 visits per quarter) can be activated as a customizable feature pack via the AU 0101 app.
- LIT card has no default complimentary international airport lounge access.
3.49%Forex markup
Best for
Customizable, Rewards
Top rewards
All Retail Spends: 1 reward point per ₹100
Platinum Chip Credit Card
Rs 0Annual fee
0Domestic lounge
Domestic lounge conditions
- No complimentary lounge access is offered on this card.
3.5%Forex markup
Best for
Lifetime Free, Entry Level, Rewards, Fuel
Top rewards
Retail Spends: 2 Reward Points / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent
| Feature | LIT Credit Card | Platinum Chip Credit Card |
|---|---|---|
| Issuer | AU Small Finance Bank | ICICI Bank |
| Network | Visa | Visa, Mastercard |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Reward Points | Reward Points |
| Best for | Customizable, Rewards | Lifetime Free, Entry Level, Rewards, Fuel |
| Top reward categories | All Retail Spends: 1 reward point per ₹100 | Retail Spends: 2 Reward Points / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.49% | 3.5% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.1667 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | fuel spends, rental payments, wallet loading and top-up transactions, educational services and school fees, government services, utility payments | Fuel transactions, Rent payments, E-wallet loading transactions, Government transactions, Tax payments, EMI transactions |