AU ixigo Credit Card vs ICICI Bank Expressions Credit Card
AU Small Finance Bank · ICICI Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
AU Small Finance BankScoreExcellent
Annual Fee₹999
Max Reward5%
ICICI BankScoreVery Good
Annual Fee₹500
Max Reward2%
AU ixigo Credit Card leads overall with a CardCheck Score of 81/100 (+10 pts over ICICI Bank Expressions Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs ICICIReward Power
35%AU34/35
ICICI24/35
AU Wins
Fee Value & ROI
25%AU20/25
ICICI24/25
ICICI Wins
Lounge & Travel
20%AU15/20
ICICI11/20
AU Wins
Forex & Access
20%AU12/20
ICICI12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 81Best
- 71
- Rating Verdict
- Excellent
- Very Good
- Reward Power (35%)
- 34/35
- 24/35
- Fee Value & ROI (25%)
- 20/25
- 24/25
- Lounge & Travel (20%)
- 15/20
- 11/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- AU Small Finance Bank
- ICICI Bank
- Network
- Mastercard
- Mastercard
- Card type
- Co-branded
- Regular
- Best for
- ixigo travel platform users — ixigo Money credits + 2 lounge/quarter
- Personalised card design — identical benefits to Coral with custom artwork
03—Fees
- Joining fee
- ₹999
- ₹500Best
- Annual fee
- ₹999
- ₹500Best
- Fee waiver
- ₹1,00,000
- ₹1,00,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- —
- ₹1,200
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%Best
- 0.5%
- Max rate
- 5%Best
- 2%
- Points / ₹100
- 5Best
- 2
- Point value
- ₹0.25
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- 2Best
- 1
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 18
- Min income / month
- ₹20,000
- ₹20,000
- Min CIBIL
- 680Best
- 700
- Invite only
Rows won
06of 08
02of 08
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 81Best | 71 |
| Rating Verdict | Excellent | Very Good |
| Reward Power (35%) | 34/35 | 24/35 |
| Fee Value & ROI (25%) | 20/25 | 24/25 |
| Lounge & Travel (20%) | 15/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | ICICI Bank |
| Network | Mastercard | Mastercard |
| Card type | Co-branded | Regular |
| Best for | ixigo travel platform users — ixigo Money credits + 2 lounge/quarter | Personalised card design — identical benefits to Coral with custom artwork |
03—Fees Differences highlighted | ||
| Joining fee | ₹999 | ₹500Best |
| Annual fee | ₹999 | ₹500Best |
| Fee waiver | ₹1,00,000 | ₹1,00,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | — | ₹1,200 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1%Best | 0.5% |
| Max rate | 5%Best | 2% |
| Points / ₹100 | 5Best | 2 |
| Point value | ₹0.25 | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2Best | 1 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 18 |
| Min income / month | ₹20,000 | ₹20,000 |
| Min CIBIL | 680Best | 700 |
| Invite only | ||
| Rows won | 06of 08 | 02of 08 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU ixigo Credit Card | ICICI Bank Expressions Credit Card |
|---|---|---|
| CardCheck Score | 81/100Excellent | 71/100Very Good |
| Annual Fee | ₹999 | ₹500 |
| Fee Waiver Spend | ₹1L/yr | ₹1L/yr |
| Max Reward Potential | 5% | 2% |
| Domestic Lounge Access | 2 / quarter | 1 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose AU ixigo Credit Card if:
Your spending centers around ixigo travel platform users — ixigo money credits + 2 lounge/quarter and you want direct partner rewards with AU Small Finance Bank.
Choose ICICI Bank Expressions Credit Card if:
Your spending aligns with personalised card design — identical benefits to coral with custom artwork and you prioritize ICICI Bank's redemption benefits.
Frequently asked questions: AU ixigo Credit Card vs ICICI Bank Expressions Credit Card
- Which is better: AU ixigo Credit Card or ICICI Bank Expressions Credit Card?
- AU ixigo Credit Card holds a higher overall rating with a CardCheck Score of 81/100 (Excellent) compared to 71/100 (Very Good) for ICICI Bank Expressions Credit Card (a lead of +10 points). AU ixigo Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- AU ixigo Credit Card charges an annual fee of ₹999 with an annual spend threshold of ₹1 Lakh for renewal fee waiver. In comparison, ICICI Bank Expressions Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹1 Lakh.
- How do the reward rates and cashback compare between AU ixigo Credit Card and ICICI Bank Expressions Credit Card?
- AU ixigo Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, ICICI Bank Expressions Credit Card offers a base rate of 0.5% and up to 2% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: AU ixigo Credit Card or ICICI Bank Expressions Credit Card?
- AU ixigo Credit Card provides 2 domestic lounge visit(s) per quarter. On the other hand, ICICI Bank Expressions Credit Card provides 1 domestic lounge visit(s) per quarter. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- AU ixigo Credit Card levies a foreign currency markup fee of 3.5%, while ICICI Bank Expressions Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).