Updated September 28, 2026 · SumCue Editorial Team
AU Small Finance Bank vs ICICI Bank
AU Small Finance Bank
Higher score in this comparison
ICICI Bank
What sets them apart
| Compare | AU Small Finance BankReviewVisitVisit | ICICI BankReviewVisitVisit |
|---|---|---|
| Headline rate | 6.75%Higher | 2.5% |
| Term | 12 to 60 months | 12 to 72 monthsHigher |
| Minimum deposit | ₹0Lower | ₹2,500 to ₹15,000 |
| Access terms | Zero balance account, monthly interest payouts, unlimited online payments (RTGS, NEFT, UPI, intra-bank transfer), RUPAY Platinum debit card, AU 0101 app and doorstep service | Easy access to funds: cash withdrawals, utility bill payments and online fund transfers through UPI, IMPS, NEFT and RTGS |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- AU Small Finance Bank scores higher overall: 9.3 vs 8.9.
- Founded is lower at ICICI Bank: 1994 vs 1996.
- Minimum deposit is lower at AU Small Finance Bank: ₹0 vs ₹2,500 to ₹15,000.
- Headline rate is higher at AU Small Finance Bank: 6.75% vs 2.5%.
- Term is higher at ICICI Bank: 12 to 72 months vs 12 to 60 months.
- Support channels: only ICICI Bank offers Chat.
Our verdict on each
AU Small Finance Bank
AU Small Finance Bank pays a headline rate of 6.75% on a variable-rate savings account and suits savers who want easy access to their money with a tiny minimum deposit. Support runs on phone and help centre, and the rate sits well above the site median of 3%.
ICICI Bank
ICICI Bank is a full-service Indian bank covering saving, spending and borrowing, so it suits customers who want one provider. The savings account pays 2.5% on a variable rate, with easy access to cash, bill payments and transfers by UPI, IMPS, NEFT and RTGS, and personal loans disburse instantly.
Score breakdown
| Area | AU Small Finance Bank | ICICI Bank |
|---|---|---|
| Cost | 9.5HigherBorrowing runs to an APR of up to 30%, and a personal loan adds Up to 4% of approved loan amount, minimum INR 2,000. | 8.6Card costs weigh heavy: an annual fee of INR 3,500 on the Sapphiro card, and personal loan rates of 9.99% to 16.5%. |
| Offer | 9.2Beyond the rate, the offer includes a easy access account, monthly interest payouts, unlimited online payments and a doorstep service. | 9.4Higher |
| Trust | 9.2Higher | 9.0 |
From lowest to highest
| Fact | AU Small Finance Bank | ICICI Bank |
|---|---|---|
| Term | 12 to 60 months | 12 to 72 months |
Sources behind this comparison
AU Small Finance Bank
- au.bank.in: 11 facts, checked September 26, 2026
ICICI Bank
- icici.bank.in: 11 facts, checked September 26, 2026
How they place
| Ranking | AU Small Finance Bank | ICICI Bank |
|---|---|---|
| Savings | 17 of 1492 | 32 of 1492 |
| Savings accounts | 10 of 658 | 21 of 658 |
| Loans | 87 of 2043 | 124 of 2043 |
| Personal loans | 73 of 1317 | 104 of 1317 |
| Mortgages | 7 of 853 | 13 of 853 |
| Credit and debit cards | 21 of 1594 | 43 of 1594 |
Every fact side by side
| Fact | AU Small Finance Bank | ICICI Bank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Legal entity | AU Small Finance Bank | ICICI Bank Ltd. |
| Headquarters | India | India |
| Founded | 1996 | 1994Lower |
| Support channels | Phone, Help centre | Phone, Help centre, ChatCovers more |
Loans
| Fact | AU Small Finance Bank | ICICI Bank |
|---|---|---|
| APR | up to 30% | 9.99% to 16.5% |
| Loan amount | ₹25,000 to ₹1,500,000 | ₹50,000 to ₹5,000,000Higher |
| Arrangement fee | Up to 4% of approved loan amount, minimum INR 2,000 | Up to 2% of loan amount plus taxes (Personal Loan processing charge) |
| Credit check | Not confirmed | Hard |
| Funding time | Within 24 hours | Instant disbursement |
| Features | Same day funding | Rewards |
| Lender type | Direct lender | Direct lender |
| Free early repayment | No | No |
| Eligibility | Indian resident, 21 years minimum at application, 65 years maximum at loan maturity | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees |
| Origination fee (%) | up to 4% | 2% |
| Loan types | Personal, Debt consolidation | Personal, Debt consolidation |
| Credit needed | Good | Good |
| Use cases | Not confirmed | Home improvement |
Credit cards
| Fact | AU Small Finance Bank | ICICI Bank |
|---|---|---|
| Annual fee | Not confirmed | ₹3,500 |
| Currency conversion fee | Not confirmed | 3.5% |
| Rewards type | Not confirmed | Points |
| Rewards rate | Not confirmed | 4 points per INR 100 international spend, 2 points per INR 100 domestic spend, 1 point per INR 100 utility and insurance spend |
| Perks | Not confirmed | Welcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month, 24/7 concierge service (i Assist), Air accident insurance cover up to INR 3 crore, 1% fuel surcharge waiver on fuel transactions up to INR 4,000, BookMyShow movie offers, up to INR 500 off the second ticket |
| Card kind | Credit | Credit |
Mortgages
| Fact | AU Small Finance Bank | ICICI Bank |
|---|---|---|
| Initial rate | Not confirmed | 7.55% |
| Maximum loan to value | Not confirmed | 80% to 90% |
| Purpose | Purchase, Remortgage, Home equityCovers more | Purchase, Remortgage |
Where each stands against the rest
| Fact | AU Small Finance Bank | ICICI Bank | Median |
|---|---|---|---|
| Headline rate | 6.75%highest quarter | 2.5%below the median | 3.3% |
| Term | 12 to 60 monthsat the median | 12 to 72 monthsabove the median | 60 |
| Minimum deposit | ₹0below the median | ₹2,500 to ₹15,000below the median | ₹5,000 |
Median across 710 listed providers.
Pros and cons
AU Small Finance Bank
Pros
- Headline rate of 6.75% on a variable basis, well above the site median of 3%.
- Minimum deposit of INR 0 on a easy access account, ranked 1 of 379 on that measure.
- Support on phone and help centre, plus a doorstep service for account holders.
Cons
- Free early repayment: no, so settling a loan early comes with a cost.
- Support runs on phone and help centre only.
- A personal loan carries an origination fee of Up to 4% of approved loan amount, minimum INR 2,000.
ICICI Bank
Pros
- Personal loans disburse with Instant disbursement, on amounts of INR 50,000 to INR 5,000,000 over terms of 12 to 72.
- The savings account is easy access, taking a minimum deposit of INR 2,500 to INR 15,000.
- The card pays points on spending, with lounge visits, golf rounds, concierge help and welcome vouchers added.
Cons
- Foreign spend on the card carries a currency conversion fee of 3.5%.
- Personal loan applications run a hard credit check, and good credit is the bar.
- Free early repayment is not offered, so settling a personal loan early carries a charge.
Who each suits
AU Small Finance Bank
Who it suits
- Savers in IN who want a variable rate with easy access and monthly interest payouts.
- Borrowers with good credit who want to deal with the bank as a direct lender.
- People who prefer doorstep service and unlimited online payments alongside a debit card.
Who should look elsewhere
- bunq, whose savings interest is 3.01%, if that rate is enough for you.
- Wise, which pays 3.29% on savings, if you are weighing a lower headline rate.
ICICI Bank
Who it suits
- Salaried Indian citizens of adult age who want savings, a card and loans from one bank.
- Savers comfortable with a variable savings rate and borrowers happy with a fixed rate loan.
- Cardholders who want a credit card with lounge, golf and concierge perks on top of points.
Who should look elsewhere
- wise, if a card with no annual fee matters most, since its annual fee is £0.
- bunq, if you would rather hold a euro account with an annual fee of €0 on the card.
- Varo Believe Secured Credit Card, if a secured card with an annual fee of $0 is the better fit.
Current offers
ICICI Bank
Current offer
Bonus
Sapphiro Credit Card welcome vouchers: Vouchers worth over INR 13,000
Upon payment of the joining fee of INR 6,500 + GST; vouchers worth INR 3,000 from Tata CLiQ, INR 4,000 from EaseMyTrip, INR 5,000 from Da Milano, INR 1,500 from Croma and an EazyDiner Prime Membership worth INR 1,095; issued within 45 business days
Source, checked September 26, 2026
Discount code
BookMyShow buy one get one movie offer on Sapphiro Credit Card: Up to INR 500 off the second ticket
From Apr 1, 2026 requires spending INR 25,000 or more on the Sapphiro Credit Card in the preceding spends quarter; one movie offer per month per card variant for dual-network cards
Source, checked September 26, 2026
Bonus
Sapphiro Credit Card milestone reward points: 4,000 reward points on INR 4 lakh annual spend, plus 2,000 points per additional INR 1 lakh, up to 20,000 points
Awarded in an anniversary year on qualifying annual spend
Source, checked September 26, 2026
Country by country
| Country | AU Small Finance Bank | ICICI Bank |
|---|---|---|
| India | Yes | Yes |
Questions about each
AU Small Finance Bank
What rate does AU Small Finance Bank pay on savings?+
The digital savings account pays a headline rate of 6.75% and the rate type is variable. Interest is credited every month, and the account is a easy access account, so your money stays reachable while it earns.
Is there a minimum deposit to open the account?+
The minimum deposit is INR 0, so the account can be opened without putting a large sum in. AU Small Finance Bank ranks 1 of 379 on this measure, which keeps it an easy account to start.
ICICI Bank
What does the card cost to hold each year?+
The annual fee on the card is INR 3,500, which sits above cards that charge nothing. Foreign currency transactions add a conversion fee of 3.5% on top. It is a credit card, so balances are meant to be cleared in full rather than carried.
What rewards does the card pay?+
Rewards come as points, earning more on international spend than on domestic, utility and insurance purchases. The credit card also carries welcome vouchers with travel, dining and retail partners, lounge visits, golf rounds, a round the clock concierge service, air accident cover and a fuel surcharge waiver.
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