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AU Bank LIT Credit Card

The AU Small Finance LIT Credit Card is India’s first customizable credit card, letting you choose the features you want and pay only for those. Unlike other cards that come with fixed benefits, the LIT card gives you control to pick options that fit your lifestyle. You can manage these features easily through the AU 0101 App and activate them for 90 days based on your needs, making it simple and convenient.

This card offers great benefits, like earning 1 reward point for every ₹100 spent and accelerated 5X or 10X points on selected features. You can enjoy cashback, free memberships to services like Zee5 and Amazon Prime, and even access to airport lounges for travelers. Best of all, it’s a lifetime free card, so you can switch features on or off whenever you like while keeping track of your expenses.

Credit Card Detail
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Movies | Travel | Fuel
Reward Type
Reward Points
Welcome Benefits
N/A
Rewards Rate
Earn 1 reward point for every ₹100 spent on shopping, plus 5X or 10X points and extra cashback on selected features.
Reward Redemption
Use your reward points to get great discounts and deals.
Movie & Dining
Enjoy 3 months of free membership to Zee5 and Amazon Prime, plus an extra 5% cashback on dining expenses.
Travel
Free access to airport lounges within India.
Golf
N/A
Domestic Lounge Access
Enjoy 2 free airport lounge visits every three months, up to 8 times a year.
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
3.49% interest per month.
Spend-Based Waiver
N/A
Rewards Redemption Fee
Nil
Cash Advance Charges
A 2.5% fee on the transaction amount, with a minimum charge of Rs. 100.
Foreign Currency Markup
3.49% +GST
Fuel Surcharge
Get a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000.
Card Details
  • Feature Control: Turn card features on or off whenever you want.
  • Easy Management: Track and manage your card features easily through the AU 0101 app.
  • Budget-Friendly: Choose features that fit your budget and pay only for what you need.
  • Customizable: Adjust features based on your lifestyle and preferences.
  • Unique Concept: India’s first customizable credit card designed for your convenience.
  • Flexible Options: Pick and activate features anytime to enjoy more benefits.
  • Free Memberships: Get 3 months of Zee5, Amazon Prime, and Cult.fit for free.
  • Reward Points: Earn 1 point for every Rs. 100 you spend on retail purchases.
  • Bonus Points: Earn 10X or 5X points on selected online and offline transactions.
  • Fuel Savings: Save 1% on fuel purchases between Rs. 400 and Rs. 5,000.
  • Cashback Rewards: Get 5% or 2% cashback when you reach spending targets.
  • Extra Cashback: Enjoy 5% cashback on travel, dining, and grocery spending.
  • Lounge Access: Get 4 free airport lounge visits every quarter for a relaxed travel experience.
Frequently Asked Questions

How can I pay my AU LIT Credit Card bill?

You can pay your AU LIT Credit Card bill through the AU 0101 app or the net banking portal. Simply log in, go to the Credit Card section, choose 'Pay Bill,' and click 'Redeem.' Enter the bill amount and proceed by selecting your bank account, confirming with an OTP received on your registered mobile.

Can my children use the LIT Credit Card as add-on partners?

Yes, children aged 18 and above can be added as add-on partners for the LIT Credit Card.

Do I need to have an AU Bank account to get the LIT Credit Card?

Yes, having an account with AU Bank is required to apply for the LIT Credit Card.

How long do the features of the LIT Credit Card last?

Features are valid for 90 days from the activation date.

When will I receive cashback for using the LIT Credit Card?

Cashback is credited five days after the 30-day period of use ends.

How can I turn off auto-renewal for features on the LIT Credit Card?

You can disable the auto-renewal of features using the AU 0101 app. By default, features are set to renew every 90 days.

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