AU Bank LIT Credit Card
- Updated On: 12 December, 2025
The AU Small Finance LIT Credit Card is India’s First customizable Credit card in terms of features. This means that you can choose whatever feature you want on your card and just pay for the same and nothing else. AU Bank has launched a very innovative and only one of its kind credit card. Every other credit card company launches many credit cards with different features and benefits. There are many credit cards in India with different parts & features, and therefore, it becomes challenging and confusing for customers to choose the best card to fulfill their needs from so many cards. The customer often ends up having multiple cards and paying various fees every year. AU Bank took advantage of this and launched the first-ever feature customizing credit cards, the LIT credit card. The bank has launched many other cards with many great benefits, but the LIT card has unique features.
The LIT credit card comes with so many features and benefits. The cardholder can simply log on to the AU 0101 App, select the feature they want to use for the next 90 Days and just pay for it. The Card offers great ways to earn many reward points, like 1 Reward Point for every ₹100 spent on retail and 10X or 5X accelerated Reward Points on the feature that you select. On top of that, the card offers great cashback benefits on the specific feature you select. Not only this, the card offers free memberships to premium platforms like Zee5 and Amazon Prime. For travelers, the card provides excellent cashback offers and complimentary access to airport lounges. Select the feature you want, pay for it, and enjoy the benefits and privileges. Let’s explore more about this innovative card by AU with the detailed review below:
AU Bank LIT Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
1 Reward Point/₹100 Spent. 10X or 5X Accelerated Reward Points and Additional Cashbacks (Paid Features)
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
3 Months of Complimentary Membership of Zee5 and Amazon Prime (Paid Feature)
Rewards Rate
1 Reward Point/₹100 Spent. 10X or 5X Accelerated Reward Points and Additional Cashbacks (Paid Features)
Reward Redemption
Redeem Reward Points for exciting discounts and offers.
Travel
N/A
Domestic Lounge Access
1 Complimentary Airport Lounge Access Every Quarter (Paid Feature)
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
₹99 + GST
Foreign Currency Markup
3.49%
Interest Rates
3.75% Per Month (45% Per Annum)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
2.5% or ₹500 Whichever is Higher
Product Details
- India’s First customizable Credit card.
- Choose whichever feature you want and whenever you want with the card.
- 3 Months of Free Membership of Zee5 and Amazon Prime.
- For every Rs. 100 spent on retail transactions, you will get 1 Reward Point.
- 10X or 5X accelerated Reward Points on all online and offline transactions.
- Surcharge waiver of 1% on all fuel transactions between Rs. 400 to Rs. 5,000.
- 5% and 2% cashback on retail spends on achieving the spend target.
- Additional 5% cashback for travel, dining and grocery expenses.
- 1 complimentary lounge access per quarter
AU Bank LIT Credit Card Features & Benefits
The AU Small Finance Bank LIT Credit Card, as mentioned, is India’s First customizable credit card which allows you to choose the feature you want and just pay for it and nothing else. The card offers great benefits across lifestyle, Grocery, travel, and much more.
It offers almost every benefit of a credit card and allows its holders to choose one or more features/categories at a time. This enables the customers to get the benefit from the category they selected and also just pay for the feature that they are using rather than paying the full annual fees for the card. With the AU Bank LIT credit card, you have the power to choose your benefits and rewards. You can choose as many features as you want by paying for each one, and they are valid for 90 days. Currently, there are six benefit categories for cardholders to choose from –
Airport Lounge Access
With this benefit, you can have a comfortable time during your travels and get benefits worth up to ₹1,200. The following are the prices associated with this feature, applicable for a 90-day period.
- Get one visit to domestic airport lounges in India – ₹399 for 90 days
Memberships
Get access to some of the most popular and in-demand subscription services, and get benefits worth up to ₹758. The following are the prices associated with this feature, applicable for a 90-day period
- 3 Months Zee5 Membership – ₹99 for 90 days. You must spend at least ₹5000 during the 90-day period, or you will be charged a Rs. 50 penalty.
- 3 Months Amazon Prime Membership – ₹299 for 90 days. You must spend at least ₹10,000 during the 90-day period, or you will be charged a ₹100 penalty.
Fuel Surcharge Waiver
Get 1% Fuel Surcharge Waiver – ₹49 for 90 days. The waiver is applicable on all transactions ranging between ₹400 to ₹5000.
You can choose whichever feature you want based on your needs, requirements, and spending habits. The pricing for each segment is valid for a 90-day period and is levied once you opt in for a specific feature. Each part chosen by you is on auto-renewal, and you will have to disable auto-renewal if you don’t want to continue with a particular feature after 90 days.
Milestone Cashback
Get additional cashback on reaching the minimum spend amount and get benefits worth ₹1,500. The following are the prices associated with this feature, applicable for a 30-day period.
- Get 5% Additional Cashback – ₹299 for 30 days. You will be eligible for the cashback on spending a minimum of ₹10,000, excluding fuel, cash advance, and rent spends. You can earn a maximum cashback of ₹500 per month.
- Get 2% Additional Cashback – Rs. 199 for 30 days. You will be eligible for the cashback on spending a minimum of ₹15,000, excluding fuel, cash advance, and rent spends. You can earn a maximum cashback of ₹1,000 per month.
Category Cashback
You can earn cashback on spends across different categories with this feature and get benefits worth up to₹1,500 per category.
- Get 5% Cashback on Grocery Spends – ₹299 for 90 days. You can earn a maximum cashback of ₹1,000 per month.
- Get 5% Cashback on Apparel Spends – ₹199 for 90 days. You can earn a maximum cashback of ₹500 per month.
5X/10X Rewards
You can earn bonuses up to 10x rewards on your online and offline spends with this feature.
For Online Spends
- Get 10x Reward Points on Online Spends – ₹299 for 90 days. You can earn 10x reward points on your online spends, but rent, cash withdrawal, and fuel spends are not eligible.
- Get 5x Reward Points on Online Spends – ₹199 for 90 days. You can earn 5x reward points on your online spends, but rent, cash withdrawal, and fuel spends are not eligible.
For Offline Spends
- Get 10x Reward Points on Offline Spends – ₹299 for 90 days. You can earn 10x reward points on your offline spends, but rent, cash withdrawal, and fuel spends are not eligible.
- Get 5x Reward Points on Offline Spends – ₹199 for 90 days. You can earn 5x reward points on your offline spends, but rent, cash withdrawal, and fuel spends are not eligible.
AU Bank LIT Credit Card Reward Points & Redemption
1 Reward Point for every ₹100 retail spends done on the Card. Cash withdrawal, EMI, rent, education, and fuel transactions will not be considered for earning Base Reward Points.
Reward Points Redemption
The reward points earned with the AU Small Finance Bank LIT Credit Card can be redeemed for many benefits:
- Redeem against the purchase of Merchandise.
- For booking tickets for flights, hotels, buses, and movies.
- Use Points to recharge your mobile or DTH.
- Book Golf sessions at golf courses across India.
- Redeem your points for E-gift Vouchers.
- Convert your Reward Points to Air miles.
How To Select The Category Of Your Choice?
- Open the AU 0101 App and go to the Credit Card Homepage, select ‘Manage Credit Card’ to get the list of available benefits, and choose the one that you want.
- Get the price of each category and choose the one that fits your budget and needs.
- Get to modify the benefit as per your choice and get what you want.
- You can manage and track your cashback and the reward points you earned, and also get to know how much is left to earn to complete the target.
Eligibility Criteria
Certain conditions need to be fulfilled in order to be eligible to apply for an AU Bank LIT Credit Card. These criteria are mentioned below in the table:
| Criteria | Categories |
| Age | Primary cardholder between the age of 21 years and 60 years. Add-on cardholder should be over 18 years old |
| Residency Status | Indian |
Other than this, the applicants should have a stable source of income, however, the minimum salary requirements are not disclosed clearly by the issuer.
How to Apply For The AU Bank LIT Credit Card?
The AU Bank LIT Credit Card can be applied both online and offline. To apply online, you can follow a few simple steps as mentioned below:
- Click on ‘Apply Now,’
- Proceed further by filling in the required details.
To apply for this credit card through an offline process, all you have to do is visit the nearest bank branch, fill in the credit card application form, and attach the documents required.
AU Bank LIT Credit Card Review
The AU Small Finance Bank LIT Credit Card has been specially designed for those who want to get each and every credit card benefit in just one card. The LIT card has removed the hassle of keeping multiple cards for different features by providing the choice to the cardholder to select one or more benefits and enjoy it in a limited timeframe, which provided huge independence to the customer. Not only this, the LIT card is completely lifetime free, which means that the cardholder does not need to pay the fees even when they are not using the card for their benefit. The card provides every other help that a credit card holder generally needs, like great reward points, tons of cashback, fuel surcharge waiver, lounge access, and much more.
That was our review of the card; let us know what you think about this credit card in the comments below. Also, tell us what other feature you want the bank to add to this card.
FAQs:
Can I choose or select more than one category of benefit for the AU Small Finance Bank LIT Credit Card?
Yes, you can choose any one or even more than one category of benefits. Every category offered with the AU Small Finance Bank LIT Credit Card has a fixed period of 90 days or 3 months.
What if I still have complimentary lounge access left unused, can I transfer them to the next period?
No, you cannot transfer your unused lounge access. Every category has a fixed 90-day period, if you are unable to use the benefit within the time frame, then the reward or the benefit will expire and will be unusable.
What is the fuel surcharge waiver I can avail with AU Small Finance Bank LIT Credit Card?
You can get 1% fuel surcharge waiver on all transactions between ₹400 to ₹5,000 with AU Small Finance Bank LIT Credit Card.
Can I choose or get any other membership for the OTT platform or program?
No, currently you can get a complimentary membership for the Amazon Prime and Zee5 with the AU Small Finance Bank LIT Credit Card. The Bank may offer other memberships in the future.
10 comments
Krishan Kumar
Useless point and free lounge is trap they will charge 3500 for cheap and unhealthy food. May be lounge attendance swipe 3-4 times as complementary. Happy time with au
Kartik Kanwar
Seems to be unreal. A person is charged ₹399 for one visit in a quarter with this card.
Dharmender giri
Bahot kharab service hai Jada charge laga kar bill banate hai
Kartik Kanwar
Reading the comments over here, this seems to be true.
Vihaan
The card gives access to only a few airport lounges. Adding more lounge visits would make it better for travelers.
Rahul
Some of the categories have been removed from this card including apparel. Kindly update your thread.
Kartik Kanwar
The page now reflects the latest offerings..
Haider ali munshi
I cannot see the 5 percent dining cashback in the app
Yagnesh Vaze
Hi,
For grocery,dining and travel in order to get 5percent cashback do we have to pay anything?
Kartik Kanwar
Yes, you would have to pay for these benefits. Rs. 299 for 5% Cashback on Electronics, Grocery, Travel, and Dining spends. Rs. 199 for 5% Cashback Apparel Spends.