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.

Au Lit

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

How to apply Total time: 10 min · You’ll need: PAN, Aadhaar, mobile, salary slips (if required)

Apply for the lifetime-free AU Bank LIT Credit Card with 3X reward points on dining and movies. Eligibility, benefits, and the application process.

Check LIT eligibility — You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred.
Apply online via AU Bank website — Visit aubank.in → Cards → Credit Cards → LIT. Click Apply Now. The form is pre-filled if you are an existing AU Bank customer.
Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
Submit and track — Submit the form. The 12-digit application reference is shown. Track status in the AU Bank app. Approval takes 5–10 working days.
Receive the card and activate — 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.
Use the card for dining and movies — Use the card at restaurants and cinema halls to earn 3 reward points per ₹100. The 3X is uncapped — no monthly cap.
Use the 1 free lounge visit — The card includes 1 domestic lounge visit per year via Dreamfolks. Register on Dreamfolks and link the card before your first travel.

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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

AU credit cards — product page (verified 5 September 2026).
Reserve Bank of India — Master Direction on Credit Card and Debit Card Issuance (verified 5 September 2026).

Hidden caps on credit-card rewards — what issuers don’t shout about — monthly and quarterly caps that quietly throttle otherwise-high reward rates
How rewards programmes are designed (and what that means for you) — the rule of 1% interchange and why issuers gate rewards behind caps
Tax on credit-card rewards in India — what gets reported — when reward redemptions cross into taxable territory
Understanding MCC codes on Indian credit cards — the merchant-category codes that decide whether a transaction earns rewards