By Uday Devgan
Updated On March 31, 2023

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. The 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 the market with different features and therefore it becomes very difficult and confusing for the customers to choose the best card to fulfil their needs from so many cards. The customer often end up having multiple cards, paying multiple fees every year. The AU bank took the first mover advantage of this and launched the first ever feature customizing credit card, the LIT credit card. The bank has launched many other cards with many great benefits, but the LIT card has very unique features.

The LIT credit card comes with so many features to select from, and with so many benefits. The cardholder can simply log on to the AU 0101 App and select the feature they want to use for next 90 Days and just pay for it. The Card offers great ways to earn many reward points, like 1 Reward Point for every Rs. 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 for. Not only this, the card offer free memberships to premium brands like Zee5, Amazon prime and more. For travelers the card offers great cashbacks offers and complimentary access to airport lounges. Just 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:



Best Suited For

Movies | Travel | Dining | Fuel | Shopping |

Joining Fee


Reward Type

Reward Points | Cashback |

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, Amazon Prime and
  • 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.
  • 4 complimentary lounge access per quarter

Rewards and Benefits

Welcome Benefits


Movie & Dining

3 Months of complimentary Membership of Zee5, Amazon Prime and Additional 5% cashback for Dining expenses.

Rewards Rate

1 Reward Point for every Rs. 100 spent on retail with the card, 10X or 5X accelerated Reward Points (For Specific Feature) and Additional cashbacks (For Specific Feature)

Reward Redemption

Redeem Reward Points for exciting discounts and offers.


Complimentary access to domestic lounges in India.



Domestic Lounge Access

4 complimentary lounge access per quarter

International Lounge Access


Insurance Benefits


Zero Liability Protection

Zero liability of the cardholder against fraudulent transactions in the event of loss or theft of the credit card if the same is reported to the customer care of the bank within 7 days from the loss of the card.

Fees & Charges

Joining Fee


Renewal Fee


Spend based Waiver


Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup

3.49% on all foreign currency spends.

Interest Rates

3.49% per month

Fuel Surcharge

1% fuel surcharge waiver for fuel transactions between Rs. 400 and Rs. 5,000.

Cash Advance Charge

2.5% of the transaction amount (subject to a minimum charge of Rs. 100)

Add-on Card Fee


AU Bank LIT Credit Card Features & Benefits

The AU Small Finance Bank LIT Credit Card, as mentioned, is India’s First ever 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, Groceries, Travel and much more.

It offers almost every benefit there can be there in a credit card and provides its holders to choose one or more features/categories at a time. This enables the customers to get the benefit from the category they chose and also just pay for the feature that they are using, rather than paying the full annual fees for the card.

At present, the AU LIT credit card offers five categories for customers to choose from. However, the cardholders need to pay the charges associated with these features and they can choose as many features as they want by paying charges for each of them. The validity of each category will be 90 days and the customer can enjoy the benefits associated with the particular category.

Travel Benefits Category

With AU Small Finance Bank LIT Credit Card, you can enjoy up to 4 complimentary Domestic Lounges within India per quarter. Only the Cardholder is eligible for the complimentary visits to domestic lounges and Lounge access outside India will be chargeable at the rate of USD 27 per visit. This category will be valid for 90 days from the date it is activated. If the cardholder is not able to use all the complimentary access in the 90 days period, they will get expired.

Membership Benefits Category

Under this Category, the cardholder will receive complimentary 3 months memberships for:

  • ZEE5 with 2,800+ blockbusters, 150+ web series, LIVE TV, Before TV, watch ad-free content on mobile, TV, Laptop, & Eduaurra competitive learning exams.
  • Amazon Prime with unlimited free, fast delivery on eligible items, video streaming, ad-free music, free in-game content, exclusive access to deals & more.
  • with at-centre group classes, all Elite gyms & at-home live workouts.

All memberships will be subject to spends condition, which will be specified throughout the membership selection process.

Shoppers’ Reward Category

Under this, the cardholder is eligible to earn tons of Rewards with the LIT card. You can Earn Reward Points as you shop and redeem them for exciting discounts and offers. The cardholder gets:

  • 10X or 5X Reward Points on all online domestic & international retail transactions
  • 10X or 5X Reward Points on all POS & Contactless offline domestic & international transactions.

The cardholder can enjoy the benefit of accelerated reward points if the one or more features with this benefit is opted for. The base rewards ( 1RP for Rs. 100) are already included in the accelerated reward points. Do note that Cash withdrawal, EMI, fuel, insurance and rent transactions would not be considered for the accelerated reward points.

Milestone Cashback Category

Under this, the cardholder is expected to achieve a spending target, and if they do then they are eligible for the cashback as follows:

Additional 5% Cashback:

Under this, the cardholder is eligible to get 5% cashback every month over a 90 days period. The cashback will be provided on the retail transactions done in a month. In order to be eligible for this benefit, cardholder needs to spend Rs. 7,500 or more in a month. Also, a maximum cashback worth Rs. 500 can be earned in a month.

Additional 2% Cashback:

Under this, the cardholder will earn 2% cashback for retail spends every month for 90 days period. The Cardholder needs to spend Rs. 10,000 or more in month to claim this offer. However, the maximum cashback of Rs. 1,000 can be claimed in a month.

The cardholder will not earn cashback on Fuel, rent, insurance and cash withdrawal transactions and these will not be considered for Cashback and milestone calculation.

Other Categories:

Fuel Surcharge Waiver: 1% fuel surcharge waiver on all transactions between Rs. 400 to Rs. 5,000 can be availed with AU Small Finance Bank LIT Credit Card.

Category Cashback: Get additional 5% cashback on specific category like travel, dining and grocery expenses in addition to 1 Reward Point per Rs. 100 spent. (Maximum cashback of Rs. 1,000 in each 30 days period).

AU Bank LIT Credit Card Base Reward Points

1 Reward Point for every Rs. 100 retail spends done on the Card. Cash withdrawal, EMI and fuel transactions will not be considered for the earning of 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 like:

  • Redeem against the purchase of Merchandise.
  • For booking tickets for flights, hotels, buses and movies.
  • Use Points for recharge of 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

There are certain conditions that need to be fulfilled in order to be eligible to apply for 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 yearsAdd-on cardholder should be over 18 years
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.

Documents Required

The documents required to apply for the AU Bank LIT Credit Card are listed below:

  • Identity Proof: Aadhar Card, PAN Card, Voter’s ID, Passport, or Driving License.
  • Address Proof: Latest months’ utility bills, Aadhar Card, Ration card, Driving License, etc.
  • Proof of Income: Latest months’ salary slips/bank statements, or latest audited ITR.

How To Apply For The AU Bank LIT Credit Card?

The AU Bank LIT Credit Card can be applied both through online and offline modes. To apply online, you can follow a few simple steps as mentioned below:

  • Visit the AU Bank’s official website.
  • Under the section ‘Cards,’ select Credit Cards and then ‘LIT Credit Card.’
  • 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 to visit the nearest bank branch and fill in the credit card application form and attach the documents required.


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 benefit 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 do not need to pay the fees even when they are not using the card for their benefit. The card provides every other benefit that a credit card holder generally need, like great reward points, tons of cashbacks, fuel surcharge waiver, lounge access and much more.

This offering by the AU bank is one its kind as the bank took the advantage of the problem and launched India’s first customizable card where one can get the feature that they need at a particular time. The ICICI Bank also offers one similar credit card named ICICI Bank Mine Credit Card, which is an affordable card and allows the holders to choose the rewards plan at their convenience. Now, this LIT Credit Card issued by AU Bank seems to be a strong competitor of the Mine Card.

That was our review of the card, let us know what you think about this credit card in the comments below. Also tell us about what other feature you want the bank to add in this card.


Yes, you can choose any one or even more than one category of benefits. Each and every category offered with the AU Small Finance Bank LIT Credit Card has a fixed period of 90 days or 3 months.

No, you cannot transfer your unused lounge access. Every category has a fixed 90 days period, if you are unable to use the benefit within the time frame then the reward or the benefit will expire and unusable.

You can get 1% fuel surcharge waiver on all transactions between Rs. 400 to Rs. 5,000 with AU Small Finance Bank LIT Credit Card.

No, currently you can get complimentary membership for the Amazon prime, Zee5 and CultFit with the AU Small Finance Bank LIT Credit Card. The Bank may offer other memberships in future.


AU Bank LIT Credit Card


Write A Comment

Sign up for the Card Insider Weekly Newsletter!

By providing my email address, I agree to’s  Privacy Policy

Thanks For Subscribing!

Please confirm the email address

Please verify your email address

Add cards to start comparing

Compare Cards