As of today, AU Bank is a major credit card issuer in the country with lakhs of customers and offers a range of credit cards in different categories. The bank offers some cards that can be availed as lifetime free, as it does from time to time. In addition, AU Bank launched the SwipeUp platform, where AU Bank customers and others can upgrade their cards to better versions with a higher limit and rewards.
Read further to learn about AU Bank’s lifetime free credit cards and other information related to them.
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The following are the lifetime free credit cards issued by AU Bank.
5 Reward Points Per ₹200 On Online, Offline & UPI Transactions (Reward Rate – 1.25%)
1,000 RPs and ₹1,000 ixigo Money Voucher on First Transaction Within 30 Days of Card Issuance
Card Details +
AU Small Finance Bank has launched its first co-branded travel credit card with ixigo. The card mainly offers travel-related benefits. Cardholders get access to domestic and international airport lounges, along with railway lounge access. You also earn a flat 5 reward points for every ₹200 spent, whether online, offline, or via UPI. This card is best suited for those who book their travel through ixigo, as they can take full advantage of the discounts and offers available on the platform.
1 Reward Point/₹100 Spent. 10X or 5X Accelerated Reward Points and Additional Cashbacks (Paid Features)
N/A
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The LIT credit card by AU Bank is India’s first customizable credit card, and cardholders can choose the features and benefits they want from their card. There are so many credit cards out there, which makes it difficult to choose one for yourself. The innovative AU Bank LIT card has a plethora of features and benefits for the cardholder to choose from, that is, without any joining or annual fees. Users can log in to the AU 0101 application, choose the features they want for the next 90 days, and pay for them. You can earn up to 10x accelerated points on the features you select, along with exclusive cashback. You even get a complimentary membership to premium brands, lounge access, etc.
8 Reward Points on Every ₹100 Spend on Dining, Travel, Tax Payments, and Software Purchase, 2 Reward Points on Every ₹100 for Other Purchases, and 1 Reward Point on Every ₹100 Spend on Utility and Insurance
Receive 2,000 Reward Points on Spending of ₹5,000 and a Dining Membership on Spending of ₹10,000 within 30 days of Card Activation
Card Details +
The AU CA Metal Credit Card is a lifetime free metal card designed specially for Chartered Accountants. It offers strong reward points on business-related spends like tax payments, software, dining, and travel, making it useful for both professional and personal use. Cardholders also get welcome benefits and a 25% discount on ICAI membership renewal, which adds real value. Along with this, the card provides domestic lounge access and a low forex markup, though it misses out on international lounge access.
1% direct cashback on UPI spends across departmental stores, groceries, pharmacies, and supermarkets
N/A
Card Details +
Earn cashback while making UPI transactions with AU Bank’s InstaPay Virtual Credit Card. You can now easily make UPI transactions without physically carrying your credit card. The InstaPay Credit Card allows you to pay for your expenses directly from your smartphone. As a lifetime free credit card, it’s an excellent option for those looking to start their credit card journey or for existing cardholders who want to earn instant cashback on their UPI spends. This card is highly beneficial for UPI transactions as it offers 1% cashback on spends made at dining establishments, supermarkets, department stores, and grocery stores.
Each Card Offers Accelerated Reward Points for Special Categories and Up to 6X Reward Points for Online Transactions
Up to 1,000 Reward Points
Card Details +
Aditya Birla Finance Limited, in partnership with AU Bank, has launched a range of credit cards tailored for various individuals. These credit cards are designed to meet the needs of all customers, whether they require a card for personal use or business purposes. The ABC Credit Card range offers a variety of features, including lifetime free cards, low forex charges, customizable cards, and business credit cards. ABC Flex and Nxt Credit Cards are available as lifetime free cards.
The cardholder must meet specific requirements in order to apply for AU Bank lifetime free credit cards –
Here is a comparison between the top AU Bank lifetime free credit cards –
| Category | AU LIT Credit Card | ixigo AU Credit Card |
| Joining/Annual Fee | Nil | Nil |
| Reward Earning | 1 Reward Point/₹100 Spent. 10X or 5X Accelerated Reward Points and Additional Cashbacks (Paid Features) | 5 RPs for every ₹200 spent on online, offline, and UPI transactions |
| Reward Redemption | Redeem Rewards at AU Rewardz | Redeem Rewards at the ixigo App or AU Rewardz |
| Dining/Movie Benefits | 2 Complimentary Memberships of Zee5 and Amazon Prime, Along With 5% Cashback on Dining | N/A |
| Travel Benefits | Complimentary Domestic Airport Lounge Access | Complimentary Access to Both Airport and Railway Lounges |
AU Bank has an admirable range of credit cards across various categories. You can get most of them for free. The lifetime free offer for AU Bank Credit Cards may change from time to time. But currently, the LIT, ixigo, and Aditya Birla Cards can be availed as LTF. Most of these cards have great features and benefits across a host of categories.
AU Bank offers its customers lifetime-free credit cards. Currently, the AU Bank LIT and ixigo Credit Cards can be availed as lifetime-free offerings.
Yes, you can get other AU Bank credit cards, like the Vetta, Zenith Plus, and Zenith cards, for free for life under certain conditions. You must achieve the annual spend-based waiver to free the card from any annual charges.
The AU Bank LIT credit card is a lifetime free credit card and does not charge any joining or annual fees. Also, it is our country’s first customizable credit card, in which you can choose the features and benefits you want to use. You choose the features you want for the next 90 days and pay for them. Also, you get accelerated 10x reward points on the features chosen by you.
The process to apply is the same as that for any normal credit card by the bank.