AU Bank LIT Credit Card

The AU Bank LIT Credit Card is a customizable, lifetime-free credit card from AU Small Finance Bank, designed for users who want flexibility in rewards, cashback, and other perks based on their lifestyle. The idea is that you can pick and choose (or switch off) features such as cashback, lounge access, or memberships depending on your needs — making it a versatile option for a broad range of spending habits

AU Bank LIT Credit Card

Joining Fees	Nil
Annual Fees	Nil
Card Type	Cashback
Network Type	Visa

Rewards & Benifits

10× or 5× reward points on all online and offline (domestic & international) retail transactions.
Milestone Cashback: additional 5% or 2% cashback on retail spends (when cashback feature is activated) + 1 reward point per ₹100 spent.
Category Cashback: 5% cashback on groceries and apparel spends (with 1 reward point per ₹100 spent) when category-cashback feature is active.
Fuel surcharge waiver: 1% waiver on fuel transactions between ₹400 and ₹5,000 (if fuel-surcharge waiver feature is activated).
Airport lounge access: Option for domestic lounge visits (subject to feature activation and applicable plan).
Optional access to memberships/subscriptions (e.g. streaming or fitness) when you opt-in for them.

Fees & Charges

No joining fee.
No annual/renewal fee (card is lifetime free). However, certain “feature fees” apply when you activate optional perks.
Cash advance charge: 2.5% of the withdrawal amount (or as per bank’s cash advance policy).
Interest on outstanding balances (revolving credit): 3.49% per month (≈ 41.88% annually), if not repaid in full.
Feature-activation fees are charged for 90-day periods when you opt in to benefits like lounge access, cashback plans, subscriptions etc.

Card Details

Card is fully customizable — you choose which benefits you want and pay only for those features.
Add-on cards are available for family members (if any); primary applicant and add-on cardholder age criteria apply.
Features like lounge access, cashback, fuel waiver, memberships are optional and must be opted in for (with feature-fees).
Rewards are credited as reward points; cashback credited after closing of 30-day billing period (typically within 5 days of period end).

Pros & Cons

Lifetime free card (no joining or annual fee).
Highly customizable — pay only for benefits you actually need.
Strong rewards potential (boosted reward points + cashback on categories and retail spends).
Optional fuel surcharge waiver makes it useful for regular fuel purchases.

Benefits are not free — you must pay feature-activation fees to avail them.
If you don’t opt for features, returns are limited to basic reward points.
Interest rate on outstanding balances is high if bills are not paid in full.
Complexity: needs active management (feature activation, tracking spends) to maximise value.

ELIGIBILITY CRITERIA
Primary cardholder must be:

Salaried applicants: age between 21 and 60 years.
Self-employed applicants: age between 25 and 65 years.
Add-on cardholder: over 18 years.
Resident of India.

WELCOME BENEFITS
No welcome benefits listed on the official page.

CARD REVIEW
The AU Bank LIT Credit Card is best suited for individuals who prefer flexibility — users who want to tailor their card benefits based on their spending behavior, and are comfortable actively managing features. For someone with varied spends — groceries, retail, fuel, etc. — the ability to enable cashback, fuel surcharge waivers or lounge access selectively can provide good value. However, the card’s value is only realised if you actively opt-in and pay the feature fees; otherwise returns stay limited to basic reward points, and carrying unpaid balances becomes costly due to high interest rates.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

AU Bank LIT Credit Card