AU Small Finance Bank
AU Bank LIT Credit Card
Pay only for features used
Lifetime free
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
Lifetime free
Reward rate
Not published
Min. income
₹1,80,000
Forex markup
Not published
Lounge access
Yes (2 visits/yr)
Eligibility
Not published
Reward cap
Rs 24,000 max benefit per quarter across features (issuer headline)
Welcome benefit
None beyond the reward rate
AU LIT is a lifetime-free customisable card: switch 90-day features on from Rs 49, including a 1% fuel surcharge waiver and up to 10x reward points for Rs 299 a quarter.
Who is this for
- Fee-averse spender
- Rewards optimiser
- First-time cardholder
What we like
- Customisable feature packs
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹0 | Not waivable |
| Fuel surcharge | 1% | 1% fuel surcharge waived on Rs 400-5,000 transactions, sold as a Rs 49 90-day feature |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | Up to 10x Reward Points on online and offline domestic and international transactions via the 10x feature (Rs 299 per… | — | Per LIT T&Cs / AU 0101 app redemption |
| SHOPPING | Milestone cashback feature (Rs 199 per 3 months): additional 5% cashback on minimum spends of Rs 10,000 and 2% on Rs… | Rs 24,000 max benefit per quarter across features (issuer headline) | — |
Benefits
-
Customisable features Highlight
India's first customisable card: switch features on/off per 90-day cycle, from Rs 49 up to Rs 24,000 of benefits per quarter
-
Airport lounge access
Paid feature: 1 complimentary domestic lounge visit per Rs 399, maximum 2 visits selectable per 90-day period
-
OTT memberships
3-month ZEE5 (Rs 99 + GST) or Amazon Prime (Rs 299 + GST) with spend thresholds and penalties (Rs 50/Rs 299) if unmet
-
Fraud protection
Cover for card loss, counterfeit/skimming and online fraud transactions per issuer product page
Eligibility
- Age
- 21–65 years
- Documents
- Resident Indian; salaried 21-60 years, self-employed 25-65 years; add-on holders 18+; no income figure published.
Read the full application walkthrough: AU Bank LIT Credit Card apply guide.
Fees and charges
- Joining fee: Rs 0 — Issuer: Lifetime Free Credit Card
- Annual fee: Rs 0 — Lifetime free; benefits are sold separately as paid 90-day feature packs from Rs 49/quarter
- Fuel surcharge: 1% — 1% fuel surcharge waived on Rs 400-5,000 transactions, sold as a Rs 49 90-day feature
Rewards
- ALL: Up to 10x Reward Points on online and offline domestic and international transactions via the 10x feature (Rs 299 per 3 months; 5x feature Rs 199 per 3 months); base earn rate not published on the product page Redemption: Per LIT T&Cs / AU 0101 app redemption.
- SHOPPING: Milestone cashback feature (Rs 199 per 3 months): additional 5% cashback on minimum spends of Rs 10,000 and 2% on Rs 15,000 of retail spends (Cap: Rs 24,000 max benefit per quarter across features (issuer headline))
Benefits
- Customisable features: India’s first customisable card: switch features on/off per 90-day cycle, from Rs 49 up to Rs 24,000 of benefits per quarter
- Airport lounge access: Paid feature: 1 complimentary domestic lounge visit per Rs 399, maximum 2 visits selectable per 90-day period
- OTT memberships: 3-month ZEE5 (Rs 99 + GST) or Amazon Prime (Rs 299 + GST) with spend thresholds and penalties (Rs 50/Rs 299) if unmet
- Fraud protection: Cover for card loss, counterfeit/skimming and online fraud transactions per issuer product page
Eligibility
- Age: 21-65 years Resident Indian; salaried 21-60 years, self-employed 25-65 years; add-on holders 18+; no income figure published.
Terms last reviewed 3 Sept 2026 against issuer-published schedules.
Issuer: AU Small Finance Bank. FinWiz24 may earn a commission from application links; scoring is unaffected — see our affiliate disclosure.
Step-by-step application guide: Read the AU Bank LIT Credit Card apply walkthrough →
Apply for AU Bank LIT Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
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Does the AU Bank LIT Credit Card offer airport lounge access?
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