Updated September 28, 2026 · BorrowCue Editorial Team
AU Small Finance Bank vs ICICI Bank Credit Cards
Where AU Small Finance Bank and ICICI Bank Credit Cards differ
| Compare |  AU Small Finance Bank |  ICICI Bank Credit Cards |
|---|---|---|
| APR | up to 30% | 9.99% to 16.5% |
| Loan amount | ₹25,000 to ₹1,500,000 | ₹50,000 to ₹5,000,000Higher |
| Term | 12 to 60 months | 12 to 72 monthsHigher |
| 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) |
| Funding time | Within 24 hours | Instant disbursement |
| 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% |
| Credit check | Not confirmed | Hard |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Lender type (Direct lender), Free early repayment (No), Loan types (Personal, Debt consolidation), Credit needed (Good).
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Key differences
- ICICI Bank Credit Cards scores higher overall: 9.0 vs 8.9.
- Founded is lower at ICICI Bank Credit Cards: 1994 vs 1996.
- Loan amount is higher at ICICI Bank Credit Cards: ₹50,000 to ₹5,000,000 vs ₹25,000 to ₹1,500,000.
- Term is higher at ICICI Bank Credit Cards: 12 to 72 months vs 12 to 60 months.
Our verdict on each
AU Small Finance Bank
AU Small Finance Bank is a direct lender in India, so a personal loan comes straight from the bank with a fixed rate and no broker in between. It suits borrowers with a good credit record who want personal or debt consolidation money of INR 25,000 to INR 1,500,000 and a payout Within 24 hours.
ICICI Bank Credit Cards
ICICI Bank lends directly at 9.99% to 16.5% for personal loans and debt consolidation, with funding time of Instant disbursement. It suits salaried Indian borrowers with a good credit record who want fixed rates and quick money. The processing charge adds to the total, and early repayment carries a fee.
Score breakdown
| Area | AU Small Finance Bank | ICICI Bank Credit Cards |
|---|---|---|
| Cost | 8.2 | 8.5HigherPersonal loan interest runs 9.99% to 16.5% with a processing charge of 2% of the amount, and free early repayment: no. |
| Offer | 9.2Direct lender pricing: APR of up to 30% plus a fee of Up to 4% of approved loan amount, minimum INR 2,000. | 9.3Higher |
| Trust | 9.3 | 9.3 |
How they place
| Ranking | AU Small Finance Bank | ICICI Bank Credit Cards |
|---|---|---|
| Personal loans | 110 of 1943 | 106 of 1943 |
| Debt consolidation loans | 45 of 425 | 42 of 425 |
| Mortgages | 15 of 719 | 14 of 719 |
| Remortgage deals | 14 of 351 | 13 of 351 |
Where each is licensed and available
| Country | AU Small Finance Bank | ICICI Bank Credit Cards |
|---|---|---|
| India | Not confirmed |
Available in 1 country for both.
From lowest to highest
| Fact | AU Small Finance Bank | ICICI Bank Credit Cards |
|---|---|---|
| APR | up to 30% | 9.99% to 16.5% |
| Loan amount | ₹25,000 to ₹1,500,000 | ₹50,000 to ₹5,000,000 |
| Term | 12 to 60 months | 12 to 72 months |
If neither fits
ET Money has loan amount at up to ₹20,000,000, against ₹25,000 to ₹1,500,000 for AU Small Finance Bank and ₹50,000 to ₹5,000,000 for ICICI Bank Credit Cards.
ET Money reviewEvery fact side by side
| Fact | AU Small Finance Bank | ICICI Bank Credit Cards |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | AU Small Finance Bank Limited | ICICI Bank Limited |
| Headquarters | India | India |
| Founded | 1996 | 1994Lower |
| Support channels | Phone, Email, Chat, Help centre | Phone, Email, Chat, Help centre |
Mortgages
| Fact | AU Small Finance Bank | ICICI Bank Credit Cards |
|---|---|---|
| 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 Credit Cards | Median |
|---|---|---|---|
| APR | up to 30%highest quarter | 9.99% to 16.5%above the median | 8.99 |
| Loan amount | ₹25,000 to ₹1,500,000above the median | ₹50,000 to ₹5,000,000highest quarter | ₹1,250,000 |
| Term | 12 to 60 monthsat the median | 12 to 72 monthsabove the median | 60 |
| Origination fee (%) | up to 4%highest quarter | 2%above the median | 0.25 |
Median across 1005 listed lenders.
Pros and cons
AU Small Finance Bank
Pros
- Personal and debt consolidation borrowing are both offered, listed under personal and debt consolidation.
- A payout of Within 24 hours suits anyone covering a bill or a deadline rather than waiting.
- Support runs on phone, email and chat once the loan is set up.
Cons
- Free early repayment is not offered, so clearing the balance early can cost money.
- An origination charge of Up to 4% of approved loan amount, minimum INR 2,000 makes a small loan heavier to carry than a large one.
- Applicants need a good credit record, which rules out weaker credit files.
ICICI Bank Credit Cards
Pros
- Direct lender, so 9.99% to 16.5% is the rate you are offered rather than a broker mark-up
- Funding time is listed as Instant disbursement
- Fixed rate pricing on fixed rate loans, so repayments stay predictable
Cons
- Free early repayment: no, so settling the loan early carries a cost
- A processing charge of 2% of the loan amount plus taxes adds to the total
- Credit check: hard, and the lender asks for a good credit record
Who each suits
AU Small Finance Bank
Who it suits
- Borrowers with a good credit record in India who want a personal loan or debt consolidation.
- People who want money in hand quickly, with Within 24 hours funding on a fixed rate.
- Shoppers weighing this personal loan against the bank's home lending, which covers purchase, remortgage and home equity.
Who should look elsewhere
- Borrowers chasing the lowest rate on the page, since Cashspace ES lists an APR of 0%.
- Anyone who wants a lower rate ceiling to aim for, as Monzo Flex runs 10% to 23%.
- Borrowers who want to compare a wider rate band, as Cashspace runs PHP 12 to PHP 36.
ICICI Bank Credit Cards
Who it suits
- Salaried Indian citizens who meet the income requirement for a personal loan
- Borrowers consolidating debt into one fixed-rate repayment
- People who need the money quickly and value Instant disbursement over extra shopping
Who should look elsewhere
- Anyone wanting to clear a personal loan early without paying for it, since free early repayment: no
- Borrowers with a thin credit file, as the credit check is hard
- Shoppers who want a fee-free loan, given a processing charge of 2% plus taxes
Current offers
ICICI Bank Credit Cards
Current offer
Bonus
Sapphiro Credit Card welcome vouchers with BookMyShow buy one get one offer
Sapphiro Credit Card only; includes international and domestic airport lounge access
Source, checked September 26, 2026
Country by country
| Country | AU Small Finance Bank | ICICI Bank Credit Cards |
|---|---|---|
| India | Yes | Yes |
Questions about each
AU Small Finance Bank
What rate will I pay on a AU Small Finance Bank personal loan?+
The listed APR is up to 30%, which is a ceiling rather than a rate everyone is offered. Borrowing sits on a fixed rate, so the cost does not shift mid term. The site median for personal loans is 12%, so read your own quote rather than assuming where you land.
What fees are added to the loan?+
An origination charge of Up to 4% of approved loan amount, minimum INR 2,000 applies to the approved amount. Ask what the fee works out to in cash on your borrowing, not only as a percentage, because the minimum charge takes a larger share of a small loan than of a large one.
ICICI Bank Credit Cards
What rate will I pay on a personal loan?+
Interest runs at 9.99% to 16.5% for a personal loan or a debt consolidation loan. The rate type is fixed, so the figure holds for the life of the loan. Your actual rate depends on how the lender assesses you.
Is there an arrangement fee?+
Yes. A processing charge of 2% of the loan amount applies, plus taxes. That sits on top of the interest at 9.99% to 16.5%, so ask for the full cost before you commit.
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