AU Bank LIT Credit Card
RewardsVerified · August 26, 2026
4.9/5.0PaisaSimple Review
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 1 Reward Point per ₹100 (Base: 1 Reward Point per ₹100 on retail transactions)
Overview
AU Bank LIT Credit Card by AU Small Finance Bank provides premium value tailored for Customizable/Entry cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 1 Reward Point per ₹100 (Base: 1 Reward Point per ₹100 on retail transactions)
- • 5X / 10X Reward Points (Add-on) per ₹100 (Optional booster pack: 5X or 10X Reward Points on online/POS spends)
- • 5% Cashback (Add-on) per ₹100 (Optional booster pack: 5% cashback on travel, dining, or grocery spends)
- • Accelerated Rewards: Fully customizable via AU 0101 app: Choose 5% cashback on dining/groceries, 5X/10X reward points, or 2% flat cashback for 30/90 days.
- • Excluded Categories: Fuel, Rent, Wallet loads
Welcome Benefit
Select and activate any feature booster pack for free for the first 30 days via AU 0101 Mobile App; Qualification Criteria: Card activation on AU 0101 App within 30 days; Fulfillment Timeline: Instant activation
Milestone Benefit
Spend ₹10,000 (Monthly): Optional Milestone pack: Additional 2% / 5% cashback on hitting monthly spend targets; Annual Fee Waiver: Lifetime Free base card with zero joining and annual fees. Feature packs are customizable on 30/90-day subscription.
Redemption
- • Cashback credit directly to statement
- • Vouchers & flights on AU Rewardz at 1 pt = ₹0.25
Benefits
- Domestic Airport Lounge: 4 per quarter (when Airport Lounge pack is activated via app) via Visa Lounge Program (Guest Access: Paid guest access)
- Fuel Surcharge Waiver: 1% (Max waiver ₹150 per month (when feature pack enabled))
- Power to Switch Features On & Off: Unique customizability allowing users to turn reward accelerators, lounge access, and OTT subscriptions on/off anytime via the AU 0101 app. (Activate for 30 or 90 days, Pay only for what you use) [Partners: AU 0101 App]
Things to Know Before you apply
AU Bank LIT Credit Card Eligibility Criteria
- Age: 21–60 years
- Salaried min ₹20,000/month or ITR ₹2,50,000+ p.a.
- Salaried & Self-Employed Individuals
- Resident Indian
AU Bank LIT Credit Card Customer Care
- Toll Free: 1800 1200
- Landline: +91 22 6600 6600
- Concierge Service: customer.care@bank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹100) |
Fee waiver: Lifetime Free base card with zero joining and annual fees. Feature packs are customizable on 30/90-day subscription.
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
AU Bank LIT Credit Card issued by AU Small Finance Bank is one of India's leading credit cards for Customizable/Entry spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 1 Reward Point per ₹100 (Base: 1 Reward Point per ₹100 on retail transactions)
- • 5X / 10X Reward Points (Add-on) per ₹100 (Optional booster pack: 5X or 10X Reward Points on online/POS spends)
- • 5% Cashback (Add-on) per ₹100 (Optional booster pack: 5% cashback on travel, dining, or grocery spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
Rating
4.9/5
4.9/5
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Best Suited for
Rewards
Cashback
Rewards
Fee Details
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
Free
Annual/Renewal Fee
Free
Welcome Benefit
- • Select and activate any feature booster pack for free for the first 30 days via AU 0101 Mobile App
- • Qualification Criteria: Card activation on AU 0101 App within 30 days
- • Fulfillment Timeline: Instant activation
- • Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days of card issuance, plus 5% cashback up to ₹1,000 on first EMI transaction
- • Qualification Criteria: Min ₹15,000 spend within 90 days of setup
- • Fulfillment Timeline: 30 days post criteria completion
- • Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days of card setup, plus 5% cashback up to ₹1,000 on first EMI order
- • Qualification Criteria: Min ₹15,000 spend within 90 days
- • Fulfillment Timeline: 30 days post qualifying period
Reward/Cashback Rate
- • Base Rewards: 1 Reward Point per ₹100 (Base: 1 Reward Point per ₹100 on retail transactions)
- • 5X / 10X Reward Points (Add-on) per ₹100 (Optional booster pack: 5X or 10X Reward Points on online/POS spends)
- • 5% Cashback (Add-on) per ₹100 (Optional booster pack: 5% cashback on travel, dining, or grocery spends)
- • Accelerated Rewards: Fully customizable via AU 0101 app: Choose 5% cashback on dining/groceries, 5X/10X reward points, or 2% flat cashback for 30/90 days.
- • Excluded Categories: Fuel, Rent, Wallet loads
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Accelerated Rewards: 10X Reward Points on spends exceeding ₹20,000 per month & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet loads
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹25,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹25,000 per billing month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹25,000 and on your birthday)
- • Accelerated Rewards: 10X Reward Points on incremental spends > ₹25,000/month & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet reloads
Pros
- • Base Rewards: 1 Reward Point per ₹100 (Base: 1 Reward Point per ₹100 on retail transactions)
- • 5X / 10X Reward Points (Add-on) per ₹100 (Optional booster pack: 5X or 10X Reward Points on online/POS spends)
- • 5% Cashback (Add-on) per ₹100 (Optional booster pack: 5% cashback on travel, dining, or grocery spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹25,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹25,000 per billing month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹25,000 and on your birthday)
- • Forex markup rate of 1.99%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions