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AU LIT Credit Card Devaluation 2025

5 March, 2025 / By Kartik Kanwar / 4 Comment

The AU LIT Credit Card is India’s first customizable credit card and one of the most popular offerings from AU Bank. Customers can select the features they want and pay accordingly. It is an ideal credit card, as individuals only have to pay for the features they choose. However, AU Bank has quietly made several changes to this offering, leading to a devaluation of the card’s original features. Many of these changes are quite subtle. Let’s take a comprehensive look at all the modifications made to the AU LIT Credit Card.

AU LIT Credit Card Devaluation

Changes to AU LIT Credit Card

Features Previously Offered Currently Offered
Airport Lounge Access
  • One Free Visit for ₹199 (90 Days)
  • Two Free Visits for ₹299 (90 Days)
  • One Free Visit for ₹399 (90 Days)
Milestone Cashback
  • 5% Additional Cashback for ₹299 for 30 Days (Minimum Spending of ₹7,500)
  • 2% Additional Cashback for ₹199 for 30 Days (Minimum Spending of ₹10,000)
  • 5% Additional Cashback for ₹299 for 30 Days (Minimum Spending of ₹10,000)
  • 2% Additional Cashback for ₹199 for 30 Days (Minimum Spending of ₹15,000)
Memberships
  • 3 Months Zee5 Membership – ₹99 for 90 Days
  • 3 Months Amazon Prime Membership – ₹199 for 90 Days
  • 3 Months Cult.fit Membership – ₹499 for 90 Days
  • 3 Months Zee5 Membership – ₹99 for 90 Days
  • 3 Months Amazon Prime Membership – ₹199 for 90 Days
  • Cult.fit Removed
Category Cashback
  • 5% Cashback on Grocery Spends – ₹299 for 90 Days
  • 5% Cashback on Travel Spends – ₹299 for 90 Days
  • 5% Cashback on Dining Spends – ₹299 for 90 Days
  • 5% Cashback on Electronics Spends – ₹299 for 90 Days
  • 5% Cashback on Apparel Spends – ₹199 for 90 Days
  • 5% Cashback on Grocery Spends – ₹299 for 90 Days
  • 5% Cashback on Travel Spends – ₹299 for 90 Days
  • Cashback on Dining Spends Has Now Been Removed
  • Cashback on Electronics Has Now Been Removed
  • 5% Cashback on Apparel Spends – ₹199 for 90 Days
Fuel Surcharge Waiver
  • 1% Fuel Surcharge Waiver – ₹49 for 90 days
  • No Change

No Change to 5X/10X Rewards.

Bottom Line

AU LIT Credit Card was considered to be the perfect card for beginners and entry-level users, and they could select the rewards they want and pay specifically for them. But now AU Bank has devalued many of the features offered by the card, such as removal of Cult.fit as a preferred partner for memberships, removal of dining and electronics from the cashback category, increasing the price for free airport lounge acces,s and making changes to the required spending for milestone cashback. All of these removals and devalued features definitely make the card less appealing.

Now with the onset of many innovative FD-backed and entry level cards by large issuers, along with this devaluation, the AU LIT Credit Card shall soon become a second choice for many.

4 comments

  • n

    2 years ago Reply

    Is it really a One “Free” Visit to a lounge if you have to pay ₹399? How much does a lounge visit cost anyways?

    • A

      Kartik Kanwar

      2 years ago Reply

      A lounge visit would cost somewhere around ₹1,200. But still its not worth it with LIT. There are great cards where you can derive that value. Take ixigo AU, Scapia as example and there are several more.

  • Amit Gokhale

    2 years ago Reply

    I think it is still a great card. Best of all, wallet loads were (and still are, as per TnCs) considered in the 5% cashback calculation (for milestone spends).. so you can easily load your Amazon or Phonepe wallet (even with 2.36% charges) and still get 2.6% reward rate for regular UPI scans…

    • Abhishek Chatterjee

      2 years ago Reply

      Yes, All AU bank Credit Cards now live on RuPay.

      AU LIT, Vetta, Xcite, Zenith and AU Zenith+ etc all variants and get same reward rate on UPI spend.

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