India's first customisable lifetime-free credit card
1% on ₹400-₹5,000 transactions (when feature activated)
10X or 5X on online and offline retail spends (when feature activated)
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| Benefit | Details |
|---|---|
| Customisable Features | India's first fully customisable credit card where cardholders can select and modify features based on spending patterns and preferences through the AU 0101 app. |
| Accelerated Reward Points | Earn up to 10X to 5X reward points on all online and offline domestic and international retail transactions. |
| Milestone Cashback | Earn 5% cashback three times over a 90-day period on retail spends of ₹7,500 or more in each 30-day period (maximum ₹500 per period). |
| Category Cashback | Receive 2% cashback three times over a 90-day period on retail spends of ₹10,000 or more in each 30-day period (maximum ₹1,000 per period). |
| Complimentary Memberships | Access to Amazon Prime and ZEE5 memberships for 90 days by meeting minimum spend requirements. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | AU Small Finance Bank |
| Bank / Non-bank | Small Finance Bank |
| Category | Customisable / Lifestyle Rewards |
| Type of Card | Visa / RuPay |
| Free or Paid | Lifetime Free (Feature fees apply: ₹49 to ₹499 per feature for 90 days) |
The AU Bank LIT Credit Card is designed for individuals who prefer flexibility and control over their credit card benefits. This card appeals to both millennials and Gen Z customers who want to customise features according to their lifestyle and spending habits. Unlike traditional credit cards with pre-defined benefits, the LIT Credit Card allows cardholders to select specific features, pay only for what they use, and modify these choices as their needs change.
Lifetime Free Card: The LIT Credit Card has no joining fee or annual fee for the base version. However, cardholders pay for individual features they choose to activate (ranging from ₹49 to ₹499 per feature for 90 days).
Feature Customisation: Cardholders can select, modify, or deactivate features through the AU 0101 mobile app based on their spending behavior and lifestyle requirements. All features are valid for 90 days from activation and auto-renew unless disabled.
Global Acceptance: The card can be used at millions of merchant outlets worldwide that accept Visa or RuPay, providing flexibility for both domestic and international transactions.
Add-on Cards: Family members above 18 years of age can receive supplementary cards at no additional cost, enabling shared benefits across the household.
Zero Liability Protection: In case of card loss, cardholders face zero liability (up to ₹1,50,000 or the credit limit, whichever is lower) on fraudulent transactions made after reporting the loss to the bank. Protection extends to card counterfeit, skimming, and online fraud incidents.
Base Reward Rate: Cardholders earn 1 reward point for every ₹100 spent on retail transactions using the LIT Credit Card.
Accelerated Rewards (10X or 5X): By activating the rewards feature, cardholders can earn 10X or 5X reward points on all online and offline domestic and international retail transactions.
Maximum Limit: Cardholders can earn a maximum of 10,000 reward points in a statement cycle.
5% Cashback: Earn 5% cashback three times over a 90-day period on retail spends of ₹7,500 or more in each 30-day period (maximum ₹500 per period).
2% Cashback: Receive 2% cashback three times over a 90-day period on retail spends of ₹10,000 or more in each 30-day period (maximum ₹1,000 per period).
Grocery and Apparel: Cardholders can activate a feature to earn 5% cashback on grocery and apparel expenses.
1% Waiver: Cardholders can activate the fuel surcharge waiver feature to get a 1% waiver on transactions between ₹400 and ₹5,000 at all fuel stations.
Complimentary Visits: Cardholders can activate the lounge access feature to enjoy up to 2 airport lounge visits per quarter.
Amazon Prime & ZEE5: Cardholders can activate a 3-month (90-day) Amazon Prime and ZEE5 membership feature by meeting minimum spend requirements.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹0 | Lifetime free credit card with no joining fee. |
| Annual Fee | ₹0 | No annual fee for the base card. |
| Cash Advance Fee | 2.5% of withdrawn amount | Minimum ₹100 per transaction. |
| Cash Withdrawal Limit | 20% of credit limit | Maximum withdrawal limit per transaction. |
| Interest on Revolving Credit | 3.49% per month | Equivalent to 43.08% annually on outstanding balances. |
| Late Payment Charges | As per bank policy | Varies based on outstanding amount. |
| Criteria | Details |
|---|---|
Age (Salaried Individuals) | Minimum 21 years, Maximum 60 years |
Age (Self-Employed Individuals) | Minimum 25 years, Maximum 65 years |
Age (Add-on Cardholder) | Minimum 18 years |
Residency | Must be an Indian citizen and resident |
Credit Score | A CIBIL score of 650 or above is recommended; scores between 750 and 900 significantly boost approval chances |
Other Criteria | Stable source of income, good credit history |
| Document Type | Details |
|---|---|
| Identity Proof | Passport, Driving License, Aadhaar Card, or any government-issued photo ID |
| Address Proof | Aadhaar Card, Passport, Utility Bills (electricity, water, gas), Voter ID, Ration Card, or any valid government-issued address proof |
| Income Proof | Recent salary slips, bank statements, Form 16, Income Tax Returns (ITR), or other relevant income documents as per bank policy |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your LIT Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Customise Strategically | Select features that align with spending patterns. Avoid activating features that won't be utilised within the 90-day period. |
Maximise Reward Points | Activate the 10X or 5X reward points feature for online and offline shopping to earn accelerated rewards. |
Meet Milestone Spends | Track spending regularly to ensure milestone requirements are met for cashback benefits. |
Utilise Memberships Wisely | If activating Amazon Prime or ZEE5 memberships, ensure minimum spend requirements are met within 90 days to avoid penalties. |
Airport Lounge Access | Activate lounge access feature before travel. Generate QR codes through the AU 0101 app for complimentary domestic airport lounge visits. |
Fuel Surcharge Waiver | Activate the fuel feature and use the card for fuel purchases between ₹400 and ₹5,000 to benefit from the 1% surcharge waiver. |
Pay Bills on Time | Clear the full outstanding balance by the due date to enjoy the interest-free credit period of up to 48 days. |
Monitor Statements | Regularly check credit card statements through the AU 0101 app to track spending, cashback earned, and feature fees charged. |
The AU Bank LIT Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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