How to Apply for the AU Bank LIT Credit Card in 2026
Apply for the lifetime-free AU Bank LIT Credit Card with 3X reward points on dining and movies. Eligibility, benefits, and the application process.
FinWiz24 Editorial
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.
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How to Apply for the AU Bank LIT Credit Card in 2026
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.
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Written by FinWiz24 Editorial
Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.