AU LIT Credit Card Review: A Lifetime Free Card


Staff member
The AU Bank LIT Credit Card is not your average credit card. It's the first of its kind in India, offering customization options. Instead of getting stuck with features you don't need, you have the power to choose exactly what you want on your card. No more paying for things you don't need! Let's look into the details and terms of this card:

No Joining or Renewal Fees​

You won't find any joining or renewal fees with the AU LIT Credit Card. It's a straightforward start.

Best Suited For​

Whether you're a movie or a travel enthusiast, a foodie, a shopaholic, or just someone who loves fueling up, this card covers all your interests.

Earning Rewards​

  • For every Rs. 100 spent on shopping, you get 1 Reward Point
  • You can earn 10X or 5X accelerated Reward Points on the features you pick.

Cashback Galore​

The LIT card treats you to cashback on specific features.
3 months of free Zee5 and Amazon Prime, plus an extra 5% cashback on your dining experiences. That's a very nice savings deal.

Airport Lounges and Travel Perks​

If you're a travel enthusiast, the LIT card grants you complimentary access to airport lounges. Plus, there are sweet cashback offers for your travel expenses.

Zero Liability Protection​

If you report a lost card within seven days, you won't be held accountable for any fraudulent transactions.

No Minimum Balance Hassles​

The LIT Credit Card prioritizes convenience and flexibility, eliminating minimum balance requirements.

How to Customize​

The AU0101 App can be used to choose your features for the next 90 days. Want lounge access or some exclusive memberships? The choice is yours.

Costs Breakdown​

  • Fuel Surcharge Waiver: Enjoy a 1% waiver on transactions between Rs. 400 and Rs. 5,000.
  • Cash Advance Charges: 2.5% of the transaction amount.
  • Foreign Currency Markup: It's 3.49% on foreign currency spends.

Reward Redemption​

The AU Small Finance Bank LIT Credit Card's reward points can be redeemed for a variety of benefits, including:
  • Merchandise purchases
  • Flight, hotel, bus, and movie ticket bookings
  • Mobile or DTH recharge services
  • Golf sessions at various courses throughout India
  • E-gift vouchers
  • Conversion to air miles.

Eligibility and How to Apply​

Any Indian resident between 21 and 60 can apply. Just gather your ID, address proof, and income details. Applying is easy as you can do it online through the AU Bank website or visit a branch.

My Take​

If you are tired of carrying multiple credit cards to enjoy various benefits, then you could see no further than the LIT Credit Card from AU Small Finance Bank. This card offers a unique approach by allowing cardholders to customize their benefits and enjoy them within a specified time frame. Plus, it's completely free for life, so you won't have to worry about any fees when you're not using it.

With the LIT Credit Card, you'll have access to a variety of perks, including reward points, cashback, fuel surcharge waivers, lounge access, and more. This innovative offering is the first of its kind in India, providing a solution to the hassle of carrying multiple cards.

The ICICI Bank Mine Credit Card also offers a similar feature, allowing cardholders to select their rewards plan at their convenience. However, the LIT Credit Card from AU Bank is quickly emerging as a strong competitor due to its customizable benefits and free lifetime usage.


KF Mentor
If anyone has this credit card, can you tell me the cashback percentage for each category (like online spending, utilities, travel, etc) and the price they charge for it?