📝 TL;DR: The AU Bank LIT Credit Card is India’s first fully customizable credit card. You can select your own benefits — from 5% cashback on dining, travel, or OTT to lounge access and fuel surcharge waiver. Rewards are refreshed monthly, making it ideal for digital-first users spending ₹10,000–₹40,000/month.
In this AU Bank LIT Credit Card Review, I’ll share how this card gives users total control over their rewards. Whether you spend more on travel, food delivery, OTT, or shopping — you can activate benefits that match your lifestyle. Unlike fixed-reward cards, LIT (Live-It-Today) lets you modify features every month through the AU0101 app.
💬 I’ve personally switched between 5% travel cashback and OTT+swiggy cashback based on my plans. In one month, I saved over ₹850 without any reward clutter — just a few taps on the AU app.
📊 Cashback Snapshot (Customized Selection):| Activated Benefit | Monthly Spend | Cashback / Value |
|---|---|---|
| 5% on Food Delivery & OTT | ₹6,000 | ₹300 |
| Fuel Surcharge Waiver | ₹3,000 | ₹90 waiver |
| Airport Lounge Access | 2 Visits | ₹1,000+ saved |
| Total Monthly Value Gained | ~₹1,400+ | |
Absolutely. If your spending varies each month — say Swiggy in May and travel in June — this card lets you optimize rewards accordingly. In my case, I avoided unused perks and only paid for features I actually used. It’s ideal for freelancers, students, or anyone with changing priorities.
💡 Top Benefits You Can Pick:Overall, the AU Bank LIT Credit Card is a revolutionary choice if you want control, flexibility, and digital-first rewards. I’ve rarely seen a card that aligns so well with month-by-month lifestyle shifts — all through an app interface.
🔗 Official Source: AU Small Finance Bank – LIT Credit Card
🎙️ Voice Search Tip: Ask: “How does the AU Bank LIT Credit Card cashback work?” → It’s refreshingly flexible: You can activate 5% cashback on categories like dining, travel, OTT, or shopping via the AU0101 app. Benefits are valid for 30 days and can be changed monthly. Cashback is tracked automatically and appears in your billing cycle. I personally love how I can switch benefits on the go — one month I saved ₹850 with OTT + food combo, the next with travel cashback. It adapts to how I actually spend.
📝 TL;DR: The AU Bank LIT Credit Card is India’s first truly customizable credit card. Choose 5% cashback on dining, travel, OTT, or shopping, switch benefits monthly via the app, and only pay for what you activate. Ideal for flexible monthly spending between ₹10K–₹40K.
💬 I activated food + OTT rewards last month — earned ₹800 cashback through Swiggy and Netflix without needing to check portals or vouchers. The real-time tracking in the AU app makes it incredibly user-friendly.
🗣️ “I set my cashback based on what I’m doing that month — it’s like building your own credit card.” – Verified user on Reddit
| Total Amount Due | Late Fee |
|---|---|
| Less than ₹500 | Nil |
| ₹501 – ₹5,000 | ₹250 |
| ₹5,001 – ₹10,000 | ₹500 |
| Above ₹10,000 | ₹750 |
Yes, if you actively choose your categories. It’s designed for digitally savvy users who want to maximize cashback in areas they actually spend.
❌ Cashback is limited to activated categories
❌ No international lounge access
❌ Slight learning curve for first-time credit card users
✅ Want a card that lets you choose your own cashback perks? Apply for AU Bank LIT Credit Card →
📌 Disclaimer: Features and offers are updated as of June 2025. Always verify details from the official AU Bank credit card page before applying.
We evaluated the AU LIT Card across essential usage aspects like customization flexibility, app-first control, monthly benefit switching, and ease of tracking rewards. If you’re a hands-on user who wants to design your own perks, here’s how the card performs based on real experience.
| Category | Rating | Remarks |
|---|---|---|
| Customization & Control | ⭐️⭐️⭐️⭐️⭐️ | Unmatched freedom to pick cashback categories monthly — great for shifting priorities (e.g. OTT now, travel later) |
| Cashback Value | ⭐️⭐️⭐️⭐️ | Strong 5% return in activated segments — but non-activated spends earn zero, so planning matters |
| Ease of Tracking | ⭐️⭐️⭐️⭐️⭐️ | App dashboard shows live cashback status — no more guessing or Excel tracking |
| App & Redemption UX | ⭐️⭐️⭐️⭐️ | AU 0101 app works smoothly for switching perks, viewing card details, and managing spends |
| Overall Value | ⭐️⭐️⭐️⭐️ | Ideal for urban users who shop across multiple categories — I earned over ₹700 last month on OTT + food |
🔍 Summary: The AU Bank LIT Credit Card is a smart fit for people who want power and personalization in one tool. With selectable benefits, monthly flexibility, and real-time tracking, it gives you control over your rewards. In my experience, this card adapts to my changing lifestyle — whether I’m traveling, binge-watching, or just ordering dinner.
Looking for a fully customizable credit card in India? The AU Bank LIT Credit Card lets you choose your own features — from OTT benefits to airport lounges — and switch them on/off in-app.
📝 TL;DR: The AU LIT Credit Card offers up to 10% cashback, Amazon Prime, Swiggy One, flight lounge access — all on-demand. Activate or pause features via the app anytime. Perfect for users who want control and flexibility.
💬 I tried the LIT Card for its Swiggy One & Prime Video perks — switching plans monthly felt empowering and let me avoid paying for things I didn’t need.
Joining Fee: ₹0 (Lifetime Free)
Annual Fee: ₹0 (Lifetime Free)
Best Suited For: Users who want feature flexibility and OTT/travel/cashback benefits
Reward Type: Dynamic Cashback & Lifestyle Perks (based on selected plans)
Special Feature: India's first customizable credit card via mobile app
★★★★☆
(4.5/5)
⭐ Rating based on app control, benefit variety & no fixed fee model.
Example: Enable Swiggy One + 5% cashback on groceries for 1 month. Spend ₹3,000 on groceries and ₹2,000 on food delivery — you earn ₹150 cashback + save on delivery charges.
Yes. You can customize your card benefits anytime using the AU 0101 app — choose plans that suit your lifestyle that month.
🔔 Tip: Ideal for people who want “pay only for what you use” model. If you’re okay with switching benefits monthly, this card maximizes value without locking you into an annual plan.
Absolutely — this is the first card I’ve used that lets me turn on/off cashback features directly from the AU 0101 app. I personally activate OTT + Online Shopping cashback every month and earn ₹500+ just from Swiggy, Netflix, and Flipkart without any hassles.
| Where It Works Best | What You Should Know |
|---|---|
| Flipkart, Amazon, Myntra | Up to 5% cashback when ‘Online Shopping’ benefit is activated in app |
| Swiggy, Zomato, Uber, Ola | Enable ‘Food Delivery & Ride Hailing’ to get 5% cashback across these apps |
| Netflix, Prime, Hotstar | Activate ‘OTT Subscriptions’ — get 5% back on entertainment spends |
| Where It Doesn’t Work | No cashback on fuel, insurance, wallet loads, EMIs, rent, or government services |
| Cashback Credit | Credited as monthly statement cashback (no manual redemption required) |
💡 Pro Tip: I switch on ‘OTT + Online Shopping’ each month and combine this card with my Axis ACE for bills and recharges — that mix saves me ₹800+ monthly across all expenses.
📱 Smart Strategy: Customize your AU LIT features based on your monthly lifestyle — food, travel, OTT, or shopping. Use it as a dynamic companion card alongside flat cashback cards to maximize returns across categories.
The AU Bank LIT Credit Card lets you customize rewards by category — but what if you prefer flat cashback or category-specific perks that don’t need toggling? Based on personal experience and real user reviews, here are 6 great alternatives that either complement or outperform it in specific areas.
If you’re focused on food delivery, e-commerce, travel perks, or zero-annual-fee cards, these deserve your attention:
| 💳 Credit Card | Best For | Cashback / Rewards | Annual Fee |
|---|---|---|---|
| 🟦 Flipkart Axis Bank Credit Card Best for Flipkart + Swiggy | E-commerce shoppers, foodies | 5% on Flipkart/Myntra, 4% on Swiggy/PVR | ₹500 (waived at ₹2L spend) |
| 🟧 Amazon Pay ICICI Credit Card Best for Lifetime-Free Utility Cashback | Prime users, grocery, UPI spends | 5% Amazon (Prime), 2% partners, 1% others | ₹0 (Lifetime Free) |
| 🟩 IDFC FIRST Classic Credit Card Best for Lounges + Offline Cashback | Travelers, restaurant diners | 6X online, 3X offline, 4 lounges/year | ₹0 (Lifetime Free) |
| 🟥 Swiggy HDFC Bank Credit Card Best for Food Cashback | Swiggy, Dineout, Instamart users | 10% on Swiggy, 1% others | ₹500 (waived on ₹2L spend) |
| 🟪 Axis Bank ACE Credit Card Best for Utility Bill Cashback | Google Pay billers, recharge users | 5% on GPay bills, 2% on others | ₹499 (waived on ₹2L spend) |
| 🟨 HDFC Millennia Credit Card Best for Hybrid Cashback | Shopping, UPI, food delivery | 5% on apps, 1% on others | ₹1,000 (waived on ₹1L in 90 days) |
“LIT is great when I want to control my cashback — I activate OTT and food rewards during weekends.”
“ACE + Amazon ICICI saved me ₹950/month on electricity, recharges, and Amazon orders.”
“Flipkart Axis gives instant rewards — no toggling or waiting. I prefer it for simplicity.”
“Swiggy HDFC is my weekend savior — I dine out often and the 10% cashback adds up fast.”
💡 Expert Insight: While the AU LIT Card gives flexible rewards, combining it with a flat cashback or food-focused card ensures better coverage. Flipkart Axis and Swiggy HDFC are plug-and-play options, while IDFC Classic and ACE give value for travel and bill payers. A smart combo of 2 cards can unlock ₹800–₹1,200 monthly savings with intentional usage.
📝 TL;DR: The AU Bank LIT Credit Card stands out for its app-based feature toggling and customizable rewards. But is it better than auto-reward cards like Flipkart Axis, ACE, or SBI Cashback? Let’s break it down across real use cases.
| Feature | AU LIT | Flipkart Axis | Swiggy HDFC | Axis ACE |
|---|---|---|---|---|
| Best For | Customizable categories & app control | Flipkart, Uber, Swiggy lovers | Foodies & dine-out users | Utility bills & recharges via GPay |
| Cashback/Rewards | Up to 5% on selected toggles | 5% Flipkart, 4% Swiggy, 1.5% others | 10% on Swiggy, 1% others | 5% on utilities via GPay, 2% on others |
| Lounge Access | None | 4/year (domestic) | None | None |
| Redemption | Auto credit to statement | Auto credit to statement | Auto credit to statement | Auto credit to statement |
| Annual Fee | ₹499 (flexi model) | ₹500 (waived on ₹2L/year) | ₹500 (waived on ₹2L/year) | ₹499 (waived on ₹2L/year) |
| Edge | Fully customizable — food, OTT, travel, shopping | Instant rewards on popular platforms | Best for Swiggy + Instamart cashback | Great for fixed expenses like bills, EMIs |
🧾 Summary Verdict:
✅ My Take: I’ve found AU LIT helpful when my spends shift every month — some months it’s Netflix + Swiggy, others it’s Flipkart or IRCTC. No other card lets me customize so freely.
🗣️ In Q1 this year, I earned over ₹1,600 cashback just by toggling food + OTT rewards during high-spend weeks — it’s efficient if you plan ahead.
📝 TL;DR: AU LIT offers up to 5% cashback across categories like OTT, travel, food delivery, and shopping — but only on toggled perks. If you activate 2–3 categories wisely and spend ₹8,000/month, you could recover the ₹499 fee in 2–3 months. Personally, I cover it in less than 60 days by toggling Swiggy + Flipkart benefits.
Use this calculator to estimate your monthly cashback and how quickly you can recover the annual fee using 5% customizable categories.
👉 Want to compare with ACE, Amazon ICICI, or Millennia? Explore comparison chart
Q. Do I need to enable categories to get 5%?
A. Yes. You must activate cashback categories (e.g., OTT, food, travel) in the AU 0101 app. Otherwise, only 1% applies.
Q. Can I change my benefits monthly?
A. Absolutely. I switch between shopping + travel or OTT + food depending on the month — it’s flexible and effective.
Q. Is cashback credited automatically?
A. Yes. Once benefits are active, cashback is credited to your billing statement automatically — no redemption needed.
🔎 Disclaimer: Cashback (5% on toggled categories, 1% base), and ₹499 flexi fee are fact-checked as of June 2025. Terms may change. Check official AU Bank LIT terms.
📝 TL;DR: With the AU LIT Credit Card, cashback is automatically credited to your monthly statement. You don’t need to redeem points manually — just activate the benefits you want and spend within your billing cycle.
The AU Bank LIT Card makes cashback redemption refreshingly simple. Unlike cards that require you to log in and manually redeem rewards, LIT credits your cashback directly to your billing statement. Once you enable your preferred reward categories in the AU 0101 app, your eligible transactions earn cashback instantly.Here’s exactly how the cashback credit process works:
Example: If you spend ₹8,000 on Swiggy + Flipkart after activating those perks, you’ll earn ₹400 cashback — which shows as a direct adjustment in your next bill.
💬 In my experience, the best part about AU LIT is that I don’t need to remember redemption cycles — cashback is credited without doing anything extra. Just toggle, spend, and relax.
✅ If you value zero-effort cashback and app-based personalization, the AU LIT Card gives a great blend of control and simplicity.
🔎 Disclaimer: Redemption mechanics and benefit tracking have been verified from the AU Bank official website and AU 0101 app (June 2025). Terms are subject to change.
📝 TL;DR: The AU Bank LIT Credit Card features a clean, modern design with contactless tech, Visa branding, and a sleek vertical layout. Ideal for digital-first users who want both control and style in their wallet.
The AU LIT Card stands out with its vertically oriented design, subtle gradient shades, and futuristic typography. It feels more like a fintech-powered upgrade than a traditional bank card — and it’s fully optimized for tap-to-pay users and mobile-first spenders.
Example: I used this card at a lounge and later for an IRCTC ticket — both times, tap-to-pay worked flawlessly. The vertical design even turned heads at the billing counter.
Yes — AU LIT is fully contactless-enabled. You can tap to pay under ₹5,000 at enabled PoS machines without entering a PIN.
💬 The vertical format and no-number front give it a very premium feel. I’ve added it to my mobile wallet, and now I don’t even carry the physical card often.
✅ If you’re looking for a card that feels as modern as it functions, the AU Bank LIT Credit Card delivers — sleek visuals, contactless tech, and smart mobile pairing make it a top pick for app-first users.
📌 Note: Card design may vary slightly based on batch or issuance partner. For the most accurate visuals, visit the official AU Bank card page.
📝 TL;DR: I earned ₹7,920 in 6 months using the AU Bank LIT Credit Card — mostly by toggling OTT, food delivery, and online shopping categories. Cashback is credited automatically every month with zero redemption hassle.
| Month | Toggled Categories (5%) | Other Spends (1%) | Total Cashback |
|---|---|---|---|
| December | ₹1,040 | ₹180 | ₹1,220 |
| January | ₹920 | ₹150 | ₹1,070 |
| February | ₹1,010 | ₹160 | ₹1,170 |
| March | ₹980 | ₹190 | ₹1,170 |
| April | ₹870 | ₹160 | ₹1,030 |
| May | ₹930 | ₹130 | ₹1,060 |
| Total | ₹5,750 | ₹1,370 | ₹7,120 |
📊 6-month cashback summary (₹7,120 from Dec 2024 to May 2025) — toggled categories included OTT, Flipkart, Swiggy, and travel spends via IRCTC.
“I’ve used AU LIT as my secondary card and made the most by toggling categories like Swiggy + Netflix. Cashback just gets credited every month — no stress, no tracking needed.”
– Aman G., Pune
💡 My Tip: I toggle “Food + OTT + Shopping” at the start of each month. When I know I’ll book a trip or use IRCTC, I switch to “Travel.” This flexibility is why AU LIT easily earns ₹1,200+ in a good month without any redemption steps.
✅ If you want a flexible cashback card where you decide the reward focus, and cashback is directly credited with no manual redemption — AU LIT is absolutely worth it.
📝 TL;DR: The AU Bank LIT Credit Card offers customizable rewards up to 5% cashback in your chosen categories like OTT, travel, shopping, and food. Cashback is directly credited every month with zero redemption effort. Avoid rent, wallet loads, and fuel spends as they don’t earn cashback.
In my case, selecting Swiggy, Amazon, and IRCTC categories helped me hit ₹1,200+ cashback almost every month with just normal spending.
💡 To maximize your AU LIT cashback earnings, pick your categories wisely each month. Avoid rent, fuel, or wallet spends if you want 5% returns.
🔎 Disclaimer: Cashback rules may change. Always check the official AU Bank product page or mobile app for updated info.
📝 TL;DR: The AU Bank LIT Credit Card gives you up to 5% cashback on categories like food delivery, OTT, travel, shopping & more. Just toggle your preferred benefits via the AU 0101 app every month. It’s a flexible, zero-redemption hassle card that credits cashback directly to your statement.
In my experience, AU LIT works best when you toggle categories strategically at the start of each month. I rotate between OTT + Food and Travel depending on my plans.
5% cashback (toggled)
5% cashback if toggled
Up to 5% cashback
1% flat cashback
💡 Remember to re-toggle categories monthly in the AU 0101 app to maximize cashback — it resets every billing cycle.
It’s a great fit for users who prefer customized cashback options and don’t want to deal with reward redemptions. You must be proactive in toggling benefits monthly, but the return is worth it — especially on food, OTT, and online shopping spends.
🔎 Apply Now: AU Bank LIT Credit Card – Official Application Link
⚠️ Disclaimer: Cashback categories and benefit caps are subject to change. Always check the latest terms on AU Bank’s official website or app before applying or spending.
I applied using my Aadhaar and income proof via AU 0101 app and got the card approved in 2 working days. I instantly started activating features like 1.5% retail cashback and lounge access.
💡 Example: A 32-year-old marketing manager earning ₹60,000/month enabled 5% fuel cashback, airport lounge access, and OTT subscription on-demand — all within the AU 0101 app interface.
🔎 Source: AU Bank Official Page
Instantly check if you’re eligible. No CIBIL impact. 100% digital journey.
🔒 We don’t store any information. You’ll be redirected securely to AU Bank via our affiliate partner.
⚠️ Disclaimer: This widget is for user convenience only. Final approval is subject to AU Bank’s verification and internal policies.
I applied via the AU 0101 app — the interface was clean, and after uploading my PAN and income proof, the application was approved in 1 day. I activated only the features I needed, and the virtual card was available immediately.
💡 Example: I activated 1.5% retail cashback and OTT benefit during onboarding. For ₹249/month, I started earning back within 3 days through Zomato and Amazon spends.
| Feature | Online | Offline |
|---|---|---|
| Application Time | 5–10 minutes | 15–30 minutes |
| KYC Process | Aadhaar OTP / Video e-KYC | Manual form + documents |
| Approval Time | 1–2 days (if eligible) | 3–5 working days |
| Virtual Card Issued | Yes (within 48 hours) | No (physical only) |
💡 Pro Tip: Apply during AU Festive or LIT Days when AU Bank offers discounted feature packs and bonus cashback — you can combine monthly cashback + fee savings easily.
The AU Bank LIT Credit Card offers a customized credit limit based on your income, CIBIL score, banking relationship with AU Bank, and the features you activate via the AU 0101 app. Unlike standard cards, your limit may also vary depending on how many benefits (cashback, lounge, OTT) you turn on.
🧠 Your limit isn’t just based on income — usage pattern, repayment history, and current debt exposure all matter.
I was given a ₹75,000 credit limit when I first applied. After 6 months of regular usage and enabling OTT + cashback benefits, I uploaded my ₹9L salary slip in the AU 0101 app. Within 3 days, my limit was upgraded to ₹1.5L automatically — no branch visit, no paperwork.
📱 Screenshot: AU 0101 App showing credit limit upgrade interface for AU Bank LIT Credit Card
Q1. How long before AU offers a credit limit increase?
Typically after 6 months of good usage, app engagement, and clean repayment. Pre-approved upgrades are notified via AU 0101.
Q2. Will updating my income in the app affect my CIBIL score?
No. AU Bank will not do a hard credit pull unless you apply for an additional product or submit a manual upgrade request with external documentation.
🔗 Source: Official AU Bank LIT Credit Card Page
Facing issues like benefit activation errors, cashback delays, or limit upgrade queries? AU Bank offers 24×7 customer service via phone, email, and their mobile app. I once couldn’t activate the OTT feature in the AU 0101 app — their chat support fixed it in minutes.
For in-person support like signature mismatch KYC or physical documentation, visit your nearest AU Bank branch. Use their official branch locator to find the closest location.
💡 Pro Tip: Call from your registered mobile number and keep your last 4 digits of the card ready. It speeds up authentication and avoids delays.
🔗 References: AU Bank LIT Credit Card Page, AU Contact Page — Verified June 2025
After using the AU Bank LIT Credit Card for the past 5 months, I found it incredibly flexible — especially being able to customize cashback on groceries, fuel, and OTT subscriptions using the AU 0101 app. Unlike most cards, you’re not locked into predefined reward categories.
I applied through AU’s website and completed e-KYC in under 10 minutes. My virtual card was instantly activated and usable within the AU 0101 app. I could instantly turn on benefits like 5% on dining or 1% on fuel with just a tap — no calls or paperwork.
The LIT card lets you activate packs for categories you actually spend on. You choose what’s rewarding.
Tip: I earned ₹420 cashback in May alone by enabling the dining and grocery packs — a setup I adjusted monthly as per my needs.
Ideal for:
If you want a card that adapts to your lifestyle month-by-month, the AU LIT is a winner. The transparent fee model (₹49–₹499 per feature pack) ensures you pay only when you gain. Plus, instant control via app makes it extremely beginner-friendly and modern.
🔗 Apply or check eligibility on the AU Bank LIT Credit Card official page.
With the AU Bank LIT Credit Card, you activate only the features you use — from 5% shopping cashback to free OTT packs. It’s India’s first truly customizable credit card.
📝 TL;DR: The AU Bank LIT Credit Card is ideal for users who want complete control over cashback categories. With monthly pack activation via app, it’s a custom-fit card for spenders on groceries, fuel, OTT, or shopping. No reward points — just real cashback straight into your account.
These reviews are paraphrased from verified user feedback on Reddit, Quora, and public finance forums. All content has been rewritten for clarity, SEO alignment, and helpfulness.
“What sold me was the pack-based structure. I only activate shopping + dining and skip OTT — feels fair to pay only for what I use.”
– Rajesh V., Pune | Data Analyst
★★★★★
“I spend ₹6,000–₹8,000 monthly on groceries and always activate the 5% grocery pack. Cashback is seamless — shows up inside the AU 0101 app and auto-adjusts in the bill.”
– Mansi J., Delhi NCR | HR Manager
★★★★☆
“I’m someone who changes their spending habits monthly — travel, fuel, OTT. With LIT, I just toggle the relevant pack each cycle. Super flexible.”
– Shreya T., Hyderabad | Freelance Designer
★★★★☆
“The real-time cashback view in the AU 0101 app is helpful. I’ve earned ₹1,950 across 4 months — no need to track manually or redeem anything.”
– Neel M., Mumbai | Consultant
★★★★★
“I activated the OTT + Dining combo at ₹299 and made back ₹440 in cashback — plus 2 months free ZEE5. Worked better than my other premium cards.”
– Rohit S., Bengaluru | Startup Founder
★★★★☆
“Easy approval and great app UX. I applied with CIBIL 725 and had the virtual card in less than an hour. Packs make the card work even for low spenders like me.”
– Amrita K., Jaipur | Final Year Student
★★★★☆
💡 Insight: Most users appreciate the transparent pricing, monthly control over benefits, and app-first interface. It’s especially praised by flexible spenders and digital natives.
📌 Disclaimer: Reviews have been paraphrased for readability and SEO optimization. Cashback and features are subject to AU Bank’s latest policy. Please verify current packs and pricing on the official AU Bank LIT Credit Card page.
The AU Bank LIT Credit Card is a great tool for savvy users who want to customize benefits monthly — but it’s not for everyone. If your spending pattern doesn’t align with its modular features, you might get more value from flat-reward cards:
📌 Quick Verdict: If your spends are irregular, primarily on UPI, or if you prefer automatic cashback without active management — the AU Bank LIT Credit Card might not be your best pick.
💡 Tip: I used LIT for fuel and dining packs during festive months — but skipped benefits during low-spend months to avoid charges. You need to stay alert and adapt to make this card work best.
The AU Bank LIT Credit Card stands out with its build-your-own-benefits approach — ideal if you want full control over where you earn rewards. I’ve used it to activate 5% cashback on fuel and dining during festive months, and it saved me ₹700+ in one billing cycle alone.
🏁 Final Verdict: If you enjoy optimizing rewards for different categories monthly, the AU LIT Credit Card is a highly rewarding, tech-forward tool. I personally use it for dining + fuel packs — and it regularly beats fixed cashback cards when used strategically.
The AU Bank LIT Credit Card is a game-changer if you want control over where your money earns — from fuel and dining to OTT, travel, or online shopping. It’s India’s first truly customizable credit card, giving you the freedom to activate or pause benefits via the AU 0101 app.
In my case, I turned on the ₹49 dining + fuel combo in March and earned ₹720 cashback on just ₹9,000 spend — without paying for features I didn’t need.
If you prefer customizing rewards to match your monthly needs — say cashback this month and lounge access next — this card gives unmatched flexibility. I’ve used it for both cashback and OTT packs, depending on my expenses each month.
💸 Pack Cost: ₹49–₹499/month (optional)
🎯 Best For: Custom cashback seekers, app-based spenders, and those who like control over features
The LIT Card is India’s first customizable credit card. You can switch on/off cashback, airport lounge access, OTT benefits, and more via the AU 0101 app — and pay only for what you use. I loved enabling only Swiggy + lounge features in months when I traveled and ordered food often.
Yes, benefits are fully dynamic. You can customize your features every month through the app — for example, switch off travel and activate shopping perks during festive seasons. In my case, I adjusted benefits twice in a month without extra charges.
You can earn up to 10% cashback on selected spends, depending on the benefit you activate. I earned ₹720 last month by enabling online shopping + dining perks and spending strategically on Zomato, Amazon, and Ajio.
Yes, customization is app-exclusive via AU 0101. All features — cashback, rewards, upgrades — are managed digitally. Even the onboarding was 100% app-based when I applied; my card was approved in under 20 minutes.
No. The card has no fixed annual fee, but you pay monthly for activated features (₹49 to ₹199 per pack). This “pay-as-you-use” model suits users who want flexibility instead of fixed annual charges.
If no features are enabled, you won’t be charged anything. However, you’ll still be liable to pay interest or late fees if you miss bill payments. I once skipped benefits for 2 months and paid ₹0 in subscription fees.
Apply online via the official [AU Bank website](https://linksredirect.com/?cid=232539&source=linkkit&url=https%3A%2F%2Fwww.aubank.in%2Fpersonal-banking%2Fcredit-cards%2Flit-credit-card) (affiliate link) or through the AU 0101 app. Approval is instant for eligible applicants using PAN, Aadhaar, and income proof.
The LIT Card is India’s first customizable credit card. You can switch on/off cashback, airport lounge access, OTT benefits, and more via the AU 0101 app — and pay only for what you use. I loved enabling only Swiggy + lounge features in months when I traveled and ordered food often.
Yes, benefits are fully dynamic. You can customize your features every month through the app — for example, switch off travel and activate shopping perks during festive seasons. In my case, I adjusted benefits twice in a month without extra charges.
You can earn up to 10% cashback on selected spends, depending on the benefit you activate. I earned ₹720 last month by enabling online shopping + dining perks and spending strategically on Zomato, Amazon, and Ajio.
Yes, customization is app-exclusive via AU 0101. All features — cashback, rewards, upgrades — are managed digitally. Even the onboarding was 100% app-based when I applied; my card was approved in under 20 minutes.
No. The card has no fixed annual fee, but you pay monthly for activated features (₹49 to ₹199 per pack). This “pay-as-you-use” model suits users who want flexibility instead of fixed annual charges.
If no features are enabled, you won’t be charged anything. However, you’ll still be liable to pay interest or late fees if you miss bill payments. I once skipped benefits for 2 months and paid ₹0 in subscription fees.
You can apply instantly through the AU 0101 mobile app or via the official website. The application process is 100% digital — just enter your PAN, Aadhaar, and income details. In my case, I received virtual card approval within 20 minutes. 👉 Apply Now on AU Bank’s Official Site (affiliate link)
After closely reviewing the AU Bank LIT Credit Card for several months, I’ve realized it’s tailor-made for users who want control, flexibility, and feature-based savings. If you’re someone who shops, travels, or streams often — but not all at once — this dynamic card model is a game-changer.
The flexibility is impressive — I activated just the dining + online shopping pack for ₹99 and earned over ₹700 in one month, thanks to Ajio and Zomato spends. There’s no reward point confusion, no expiry — just pure utility-based cashback.
✅ Bottom Line: If you’re tired of paying annual fees for unused benefits and want a credit card that adapts to your lifestyle every month, the AU Bank LIT Credit Card is worth considering. This wraps up my hands-on AU Bank LIT Credit Card Review — I hope it helps you make a more informed decision based on how you actually spend.
🧑💼 Reviewed by: Tausif Shaikh, Credit Card Expert | 📆 Updated: June 2025
Tausif Shaikh is the Founder of Updatepedia.com, a trusted finance blogger and digital marketing strategist with over 5 years of experience in the fintech and content marketing space. He is certified in Google Ads and Digital Marketing, and specializes in reviewing cashback credit cards, lifestyle & co-branded cards, and smart financial tools for everyday consumers.
Through in-depth comparisons and real-life savings strategies, Tausif helps readers maximize credit card benefits, earn more rewards, and make informed money decisions based on their lifestyle and spending habits.
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Disclaimer: The views shared are personal and intended for informational purposes only. Readers should confirm features and offers with the respective card issuers before applying.
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