Side-by-side · honest numbers
AU Altura+ Credit Card vs AU LIT Credit Card vs ICICI Platinum Chip
Honest side-by-side comparison of AU Altura+ Credit Card, AU LIT Credit Card, ICICI Platinum Chip — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
AU Altura+ Credit Card
AU Small Finance Bank
AU LIT Credit Card
AU Small Finance Bank
ICICI Platinum Chip
ICICI Bank
Your adjusted comparison
| Feature | AU Altura+ Credit Card AU Small Finance Bank | AU LIT Credit Card AU Small Finance Bank | ICICI Platinum Chip ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹80,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹15,000/mo | ₹20,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹540/yr | ₹156/yr | -₹36/yr |
| Online shopping | ₹8,000 → 160 pts/mo × ₹0.25/pt = ₹40/mo (₹480/yr) | — | — |
| Utilities & bills | ₹3,500 → 35 pts/mo × ₹0.25/pt = ₹8.75/mo (₹105/yr) | — | — |
| Top reward rate | 1.5% cashback | 1 RP/₹100 | 1 RP/₹150 |
| Primary reward cap | ₹100 rewards/mo cap | ₹2,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 8 complimentary railway lounge visits per year · No minimum spend required for lounge access | Optional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/au-altura-plus-vs-au-lit-vs-icici-platinum-chipReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, AU Altura+ Credit Card ranks first for estimated net annual value — ahead of AU LIT Credit Card by about ₹384/yr.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | AU Altura+ Credit Card AU Small Finance Bank | AU LIT Credit Card AU Small Finance Bank | ICICI Platinum Chip ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹80,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹15,000/mo | ₹20,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹540/yr | ₹156/yr | -₹36/yr |
| Online shopping | ₹8,000 → 160 pts/mo × ₹0.25/pt = ₹40/mo (₹480/yr) | — | — |
| Utilities & bills | ₹3,500 → 35 pts/mo × ₹0.25/pt = ₹8.75/mo (₹105/yr) | — | — |
| Top reward rate | 1.5% cashback | 1 RP/₹100 | 1 RP/₹150 |
| Primary reward cap | ₹100 rewards/mo cap | ₹2,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 8 complimentary railway lounge visits per year · No minimum spend required for lounge access | Optional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- AU LIT Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- AU Altura+ Credit Card leads with an estimated ₹540/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- AU Altura+ Credit Card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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