How to Apply for the AU Bank LIT Credit Card in 2026

title: "How to Apply for the AU Bank LIT Credit Card in 2026" slug: how-to-apply-for-au-lit-credit-card excerpt: "Apply for the lifetime-free AU Bank LIT Credit Card with 3X reward points on dining and movies. Eligibility, benefits, and the application process." category: how-to-apply tags:

• au-bank
• lit
• lifetime-free
• dining
• rewards relatedCards:
• au-lit heroImage: /images/guides/au-lit.svg publishedAt: "2026-06-18T16:57:29.661Z"

The AU Bank LIT Credit Card is a lifetime-free lifestyle card with 3 reward points per ₹100 on dining and movies, 1 reward point per ₹100 on all other retail, 1% fuel surcharge waiver, and 1 free domestic lounge visit per year. The card is targeted at urban users who spend moderately on dining and entertainment.

Why this matters

AU LIT is one of the few lifetime-free cards with 1 free lounge visit per year. The 3 reward points per ₹100 on dining and movies is competitive with paid cards. The 1% fuel surcharge waiver is a useful secondary benefit.

Related cards

How to Apply for the AU Bank LIT Credit Card in 2026

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    <h4 class="mb-1 text-base font-semibold text-ink">Check LIT eligibility</h4>
    <p class="text-sm leading-relaxed text-ink-muted">You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Apply online via AU Bank website</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Visit aubank.in → Cards → Credit Cards → LIT. Click Apply Now. The form is pre-filled if you are an existing AU Bank customer.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete the application</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete Aadhaar eKYC</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Submit and track</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Submit the form. The 12-digit application reference is shown. Track status in the AU Bank app. Approval takes 5–10 working days.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Receive the card and activate</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Once approved, the card is delivered within 5 working days. Activate via IVR, AU Bank app, or at any AU Bank ATM by setting a 4-digit PIN.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Use the card for dining and movies</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Use the card at restaurants and cinema halls to earn 3 reward points per ₹100. The 3X is uncapped — no monthly cap.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Use the 1 free lounge visit</h4>
    <p class="text-sm leading-relaxed text-ink-muted">The card includes 1 domestic lounge visit per year via Dreamfolks. Register on Dreamfolks and link the card before your first travel.</p>
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Common mistakes to avoid

The 3X is restricted to direct POS transactions — Swiggy and Zomato do not qualify. The 1 free lounge visit is via Dreamfolks — register before your first travel.

Pro tips

• Use LIT for offline dining and movies to maximise 3X
• Pair with AU Vetta for everyday spends
• Register on Dreamfolks and link the card before your first trip
• Chase the 1 free lounge visit with a quarterly flight booking

Frequently asked questions

Is AU LIT lifetime free?

Yes. The card has no joining or annual fee. There is no fee waiver target.

What is the 3X cap?

3X on dining and movies is uncapped. There is no monthly cap.

Does the 3X apply to Swiggy?

No. The 3X is restricted to offline POS transactions.