AU LIT Credit Card
Updated on July 28, 2026 · Author: Team PaisaSimple
🎖️Reward Rate
4 reward points per ₹150 spent
Overview
The AU LIT Credit Card is India's first customizable credit card allowing users to turn on/off reward accelerators and lounge access on demand.
Rewards
Reward Type
Reward Points
Reward Rate
4 reward points per ₹150 spent
Welcome Benefit
Welcome gift vouchers worth up to ₹1,000 on card activation
Milestone Benefit
Bonus reward points on annual spend milestones
Redemption
Redeem points for air miles, gift vouchers, or statement credit
Benefits
- Lifetime Free (₹0 Joining Fee, ₹0 Annual Fee)
- On-demand feature activation via AU Mobile App
- Customizable 5% cashback or 10X reward points on selected categories
- 1% fuel surcharge waiver
Things to Know Before you apply
AU LIT Credit Card Eligibility Criteria
- Age: 21–65 years
- Minimum net monthly income of ₹25,000 (salaried) or ₹6 Lakh ITR (self-employed)
- Salaried / Self-Employed
AU LIT Credit Card Customer Care
- Toll Free: 1800 266 4332
- Landline: 022-6160 6161
- Concierge Service: 1800 258 4444
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
Fee waiver: Annual fee waived on annual spend milestone
PaisaSimple Review
Overall Rating
What do we like about this card?
The AU LIT Credit Card is India's first customizable credit card allowing users to turn on/off reward accelerators and lounge access on demand.
Pros
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
Cons
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.
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- • Welcome gift vouchers worth up to ₹1,000 on card activation
- • Welcome gift vouchers worth up to ₹1,000 on card activation
- • Welcome gift vouchers worth up to ₹1,000 on card activation
- • Welcome gift vouchers worth up to ₹1,000 on card activation
- • Welcome gift vouchers worth up to ₹1,000 on card activation
- • 4 reward points per ₹150 spent
- • 2 PAYBACK points per ₹100 spent
- • 10X on online spends above ₹20K/month
- • 10X rewards on Zomato, Flipkart & Nykaa
- • 4 reward points per ₹150 spent
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.