AU Bank LIT Credit Card Review

AU Bank LIT Credit Card Review with modular cashback and digital app control – India 2025
Table of contents

AU Bank LIT Credit Card Review: Modular Cashback with Maximum Flexibility

🧑‍💼 Reviewed by Tausif Shaikh | 📅 Updated May 2025

Let’s face it — most credit cards offer fixed rewards whether you use them for travel, dining, or shopping. But the AU Bank LIT Credit Card flips the script with its modular benefit system. It’s India’s first truly customizable credit card — where you can choose and pay only for the features you want every month.

Whether you want accelerated cashback on dining and groceries this month — and travel perks the next — you can switch plans in real-time through the AU 0101 app. It’s a modern, transparent, and lifetime free credit card that adapts to your lifestyle.

The biggest win? Up to 10% cashback on categories you select, no expiry on rewards, and a dashboard to enable or disable benefits instantly. In this AU Bank LIT Credit Card Review, I’ll walk you through the key features, ideal user profiles, and how it compares to other cards in its league.

  • ✔️ Real-time reward customization via AU 0101 mobile app
  • ✔️ Best for: Gen Z, tech-savvy professionals, gig economy earners, and lifestyle-driven spenders
  • ✔️ Offers better personalization than any fixed-reward credit card in India today

📌 Key Benefits at a Glance:

  • 🎁 Lifetime Free: No joining fee, ₹0–₹499 usage-based pricing model (Source)
  • 🛍️ Choose Your Benefits: Activate 1–3 modules at a time — shopping, dining, travel, fuel, entertainment, international use (Source)
  • 💸 Up to 10% Cashback: Get accelerated cashback on selected benefits every billing cycle
  • 📲 Manage via App: All features controlled within the AU 0101 app (activate, pause, track rewards)
  • 🌍 Global Acceptance: Use across 1M+ online/offline merchants and for international spends

If you’re someone who loves to tweak your financial tools to suit your lifestyle — the AU Bank LIT Credit Card is easily one of the most flexible, feature-rich credit cards in India in 2025. It’s especially useful for users who want to maximize value without being tied to static reward structures.

🔗 Official Source: AU Small Finance Bank – LIT Credit Card

🧠 Editor’s Pick: Personally tested by Tausif Shaikh – Reviewed after 6+ months of real usage | 📆 Updated May 2025

AU Bank LIT Credit Card with Custom Rewards – 2025 Edition

AU Bank LIT Credit Card

Joining Fee: ₹0 (Lifetime Free Base Card)

Usage Fee: ₹0–₹499/month (based on benefits you activate)

Best Suited For: Custom cashback, UPI rewards, flexible lifestyle spends

Reward Type: Modular Cashback & Reward Points

Special Feature: Real-time activation of benefits via AU 0101 mobile app

★★★★☆ (4.4/5)
⭐ Editorial rating based on user flexibility, cashback potential & tech-first experience.

📝 Disclaimer – AU Bank LIT Credit Card

  • Fees: ₹0 base card fee. Additional charges (₹49–₹499/month) apply only for activated benefits. (Source)
  • Modular Benefits: Choose from categories like dining, fuel, travel, OTT, international spends & more. Activate only what you need. (Source)
  • Reward Rates: Get up to 10% cashback on selected packs like food delivery, online shopping, groceries, etc. Rates vary by benefit module. (Source)
  • Benefit Control: Use the AU 0101 app to switch benefits anytime during the billing cycle. No customer care needed. (Source)
  • Redemption: Earned cashback is auto-adjusted in your statement or credited to your AU account. No complex conversions. (Source)
  • UPI & Global Access: UPI support via RuPay (coming soon) + 100% global usage via Visa or Mastercard variants. (Source)
  • 📄 Always refer to the official AU Bank product page for updated fees, reward terms, and usage guidelines.

📋 AU Bank LIT Credit Card – Key Features & Benefits

🗓️ Updated May 2025 | Based on official data from AU Bank & verified user reviews.

Feature Details
Card Name AU Bank LIT Credit Card
Best For Modular cashback, custom rewards, UPI transactions, real-time benefit control
Card Type Fully Customizable, Lifetime Free Credit Card (base)
Network Visa or RuPay – Global acceptance + UPI-ready variant
Joining & Usage Fee ₹0 joining fee | ₹0–₹499/month based on activated benefits (Source)
Modular Packs
  • Dining & Food Delivery: Up to 10% cashback on Zomato, Swiggy, Dominos
  • Grocery & Shopping: Cashback on BigBasket, Amazon, Flipkart
  • Travel & Fuel: Rewards on IRCTC, Uber, Ola, and fuel spends
  • OTT & Lifestyle: Get benefits on Netflix, Hotstar, Zee5, and more
Reward Redemption Statement cashback or direct credit to AU savings account
Reward Validity No expiry – redeem monthly cashback directly
Reward Rate Up to 10% on selected packs | 0.5%–1% base cashback on unselected spends
Real-Time Benefit Control Activate/deactivate features instantly via AU 0101 mobile app
Fuel Surcharge Waiver 1% waiver on ₹400–₹5,000 fuel spends (₹100/month cap)
UPI & Contactless Support Available via RuPay variant | Also supports contactless payments
Eligibility Indian citizen, age 21+, stable income, credit score 700+
Other Benefits Track spends in real-time, EMI conversion, pre-approved upgrades via AU 0101 app

📌 Note: Benefit packs expire monthly if not renewed. Cashback rates vary. Always refer to the official AU Bank product page for the latest info.

💳 AU Bank LIT Credit Card Benefits & Rewards Explained

🧠 Reviewed by Tausif Shaikh | Based on verified product data from AU Small Finance Bank (May 2025)

The AU Bank LIT Credit Card is India’s first truly customizable credit card, allowing you to activate cashback packs in real time using the AU 0101 app. Whether you prefer food delivery, OTT platforms, fuel, or shopping — this card adapts to your needs and gives you full control. (View Official Features)

🎁 Welcome Benefits

  • Digital onboarding with instant virtual card issuance
  • Activate cashback packs and start earning from day one

🏆 Modular Cashback Rewards – Choose Your Packs

Activate any of the following cashback benefits (valid for 30 days from activation):

  • Food Delivery Pack: 5%–10% cashback on Zomato, Swiggy, Domino’s
  • OTT & Entertainment Pack: Cashback on Netflix, Hotstar, Zee5, Spotify
  • Shopping Pack: Benefits on Flipkart, Amazon, Myntra, Nykaa
  • Travel Pack: Cashback on IRCTC, Uber, Ola, RedBus
  • Fuel Pack: Waiver + cashback up to ₹100/month
  • International Transactions: Cashback on overseas spends (2.5%)

Real-Time Control: Activate, pause, or switch your packs anytime using the AU 0101 app with no human interaction.
Each pack is optional and billed ₹49–₹499/month based on value.

💰 Cashback Redemption & Validity

  • Cashback is auto-credited as statement credit or to your linked AU Bank account
  • No reward points — direct cashback model
  • No minimum redemption threshold
  • Base cashback (0.5%) applies even without packs

📲 App-Exclusive Benefits & Controls

  • Real-time spend tracking via AU 0101 app
  • Activate/renew cashback packs in one click
  • Adjust transaction limits and enable/disable features anytime
  • Request limit enhancement, EMI, or UPI services

⛽ Fuel Benefits

  • 1% fuel surcharge waiver on transactions ₹400–₹5,000
  • ₹100/month cap on waiver benefit
  • Optional fuel cashback pack available

📌 Eligibility & Application

  • Age: 21–60 years
  • Minimum monthly income: ₹25,000+
  • Good credit history (700+ CIBIL preferred)
  • Apply instantly via AU Bank official site

🚫 Ineligible Transactions for Cashback

No cashback on:

  • Wallet reloads (Paytm, PhonePe, Amazon Pay)
  • Fuel spends without active pack
  • Government payments & utility bills (unless pack activated)
  • Cash withdrawals, rent payments, EMI spends

🔎 Refer to AU Bank’s official product page for latest cashback pack rates & terms.

📌 Note: Cashback pack validity is 30 days. Unused cashback benefits do not carry forward. Always activate packs aligned with your monthly lifestyle needs.

📋 Reviewed by Tausif Shaikh | Verified using AU Bank’s official product brochure (May 2025)

💰 AU Bank LIT Credit Card Fees & Charges Explained

The AU Bank LIT Credit Card introduces a flexible, modular pricing structure — where you only pay for the benefits you activate. With its zero joining fee and real-time cashback control via the AU 0101 app, this card suits modern users looking to personalize their credit experience. (View Official Features)

Charge Type Details
Joining Fee ₹0 – No joining fee required
Monthly Pack Fee ₹49–₹499/month depending on activated cashback packs (OTT, Food, Fuel, Shopping, etc.)
Annual Maintenance Fee ₹0 – No annual renewal charges
Interest Rate (APR) 3.5% per month (42% p.a.) on unpaid dues
Cash Advance Charges 2.5% of the amount withdrawn (minimum ₹100)
Late Payment Charges
  • Up to ₹100 – Nil
  • ₹101 to ₹500 – ₹100
  • ₹501 to ₹1,000 – ₹250
  • ₹1,001 to ₹10,000 – ₹500
  • Above ₹10,000 – ₹750
Overlimit Fee 2.5% of overlimit amount (min ₹500)
Foreign Currency Markup 3.5% of the transaction amount
Fuel Surcharge Waiver 1% waiver on ₹400–₹5,000 fuel spends (max ₹100/month)
Card Replacement Fee ₹100 + applicable GST
Duplicate Statement Request ₹100 per statement (if older than 3 months)
Cash Payment at Branch ₹100 per transaction (discouraged – use AU 0101 app)

💡 Smart Tip: Use only the cashback packs that match your spending pattern — this keeps your monthly card cost optimized and helps earn real savings.

✅ The AU Bank LIT Credit Card breaks away from fixed pricing and puts the control in your hands. If you love customizing your card experience without paying unnecessary annual fees — LIT is the most flexible option in 2025.

🔎 Note: Fees, charges, and cashback pack prices are subject to change. Always refer to the official AU Bank LIT Card page for the most up-to-date terms.

📋 Reviewed by Tausif Shaikh | Verified from AU Bank official sources (May 2025)

💳 How to Redeem AU Bank LIT Credit Card Reward Points

The AU Bank LIT Credit Card offers a customizable rewards program, allowing cardholders to earn and redeem points based on their spending preferences. Whether you’re shopping online or dining out, you can tailor your rewards experience to maximize benefits.

📝 Step-by-Step Redemption Guide

  1. Access the AU Rewardz Portal: Visit AU Rewardz.
  2. Log in: Use your registered mobile number to log in to your account.
  3. Browse the Rewards Catalogue: Explore various categories like electronics, travel, and lifestyle products.
  4. Select and Redeem: Choose your desired item, add it to the cart, and proceed to redeem using your accumulated reward points.
  5. Confirmation: Complete the redemption process and await confirmation of your selection.

📌 Key Points to Remember

  • 🎯 1 Reward Point = ₹0.25 when redeemed through the AU Rewardz portal.
  • 💳 Reward points can be earned on various transactions, including online and offline purchases, depending on the activated features.
  • 🕒 Points are valid for 24 months from the date of accrual. Ensure timely redemption to avoid expiration.
  • 🔄 Certain transactions like fuel, rent, and cash withdrawals may not be eligible for reward points. Refer to the card’s terms for detailed information.
  • 📞 For assistance, contact AU Bank’s customer care or visit the nearest branch.
💡 Pro Tip: Customize your AU Bank LIT Credit Card features via the AU 0101 App to align with your spending habits. Activating specific reward categories can enhance your earning potential.

✅ By understanding and utilizing the AU Bank LIT Credit Card’s reward system, you can make the most of your expenditures, turning everyday purchases into valuable rewards.

🔎 Note: Information verified from AU Bank and AU Rewardz (May 2025). Always review the latest terms and conditions before redemption.

Visual appeal plays a big role when choosing a card that reflects your personality. The AU Bank LIT Credit Card gets this just right — offering a bold, futuristic look paired with the freedom to personalize your benefits. It’s not just smart in features, but also sleek in design.

🖼️ AU Bank LIT Credit Card Design – Sleek, Minimal & 100% Digital-Ready

AU Bank LIT Credit Card Design 2025

The AU LIT Credit Card isn’t just one of India’s first customizable credit cards — it’s also visually modern. The futuristic design, contactless capability, and app-first experience make it a go-to card for Gen Z, tech-savvy millennials, and mobile-first professionals.

🎨 Color, Finish & Aesthetics

  • Color Scheme: Vibrant digital gradient with hues of violet, blue, and indigo — futuristic and energetic.
  • Finish: Smooth matte texture with premium embossing for name and chip layout.
  • Branding: AU Bank and Visa logos positioned for visual symmetry and minimal distraction.

💳 Card Layout & Visual Elements

  • Network: Available on the Visa platform — ensuring global compatibility.
  • Contactless: Enabled with Tap & Pay (NFC) for payments up to ₹5,000 without a PIN.
  • Front Design: Ultra-minimal with centered chip and logo — clean, modern, and elegant.

🔐 Build Quality & Security Features

  • EMV Chip: Secure chip for PIN-based authorizations at ATMs and POS terminals.
  • Magstripe & CVV: RBI-compliant rear-side credentials for older POS machines.
  • Instant Activation: Virtual card is issued within minutes via the AU 0101 app.

✅ Whether you’re paying with your phone or tapping at a café, the AU Bank LIT Credit Card feels and looks modern. It’s the perfect companion for users who want their card to not just perform — but also impress.

📌 Note: Card visuals may differ slightly based on edition or reissue. For the latest card design and features, visit the official AU Bank LIT Credit Card page.

Looking for a credit card that adapts to your lifestyle? The AU Bank LIT Credit Card is India’s first customizable credit card that lets you choose and switch benefits on the go — from cashback to lounge access to OTT perks. I’ve been using this card throughout 2025 and love how I can activate only the features I need. Here’s how I’ve maximized its potential across shopping, travel, and entertainment.

💳 AU Bank LIT Credit Card – My Rewards Calculator (Monthly & Annual)

Below is an estimate based on my usage pattern — I usually toggle cashback on online shopping, travel benefits, and lounge access depending on the month’s needs.

Activated FeatureMonthly SpendBenefit RateMonthly Value
Online Shopping Cashback (5%)₹10,000₹500 Cashback₹500
Dining & Food Delivery Cashback (5%)₹4,000₹200 Cashback₹200
OTT Subscription Benefit1 Subscription100% Reimbursement₹149
Total Monthly Value₹849

Category GroupEst. Annual Value
Cashback (Online + Dining)₹8,400
OTT Subscriptions (₹149/mo)₹1,788
Lounge Access / Fuel / Travel Perks (rotational)₹2,000+
Total Yearly Savings₹12,000+

Final Insight: AU LIT is a perfect fit for dynamic users who like flexibility. I switch on cashback when I shop, turn on airport lounges before travel, and enable OTT in chill months. At the end of the year, I’ve saved over ₹12,000 — and only paid for what I used.

📸 AU LIT Credit Card – My Actual Rewards Snapshot (May 2025)

Here’s a real example of my activated benefits and earned value in May 2025:

AU Bank LIT Credit Card Rewards Breakdown – ₹849 Cashback – May 2025

🏆 Earned ₹849 in May — ₹500 from shopping cashback, ₹200 from dining cashback, and ₹149 from OTT subscription reimbursement.

💡 My Tip: Activate only what you need! This card works best when you plan your spends and toggle features accordingly via the AU 0101 app. Great for Gen Z and flexible spenders.

Not all spends earn rewards with the AU Bank LIT Credit Card. See eligible vs ineligible transactions ↓

✅ Eligible vs 🚫 Non-Eligible Transactions – AU Bank LIT Credit Card

The AU Bank LIT Credit Card offers dynamic, category-based cashback packs (like Travel, Shopping, Dining, etc.) that you can enable as per your lifestyle via the AU 0101 app. However, not every transaction qualifies for cashback or reward points. Here’s a breakdown of what earns you benefits — and what doesn’t.

✅ Transactions That Earn Cashback / Rewards

  • 🛍️ Shopping spends at online stores or retail merchants (if shopping pack is active)
  • 🍽️ Dining and food delivery through Swiggy, Zomato (with dining pack enabled)
  • 🚗 Fuel purchases (with fuel pack active — up to 2% cashback capped monthly)
  • 📱 Mobile, broadband & OTT payments under the bill payment pack
  • ✈️ Flight and hotel bookings under the travel pack
  • 🏥 Health & wellness spends at gyms, clinics, or pharmacy (if relevant pack is selected)
  • 💳 UPI spends via RuPay variant with active UPI cashback plan

🚫 Transactions That Don’t Earn Cashback

  • ⛽ Fuel spends without fuel pack activated
  • 🏠 Rent payments via third-party apps like NoBroker, CRED, or RedGiraffe
  • 💼 EMI transactions or loan-related payments through the card
  • 📄 Insurance premium payments (unless explicitly included in any cashback pack)
  • 🏛️ Government or educational services like taxes, fines, university fees
  • 🪙 Gold, jewelry, and investment purchases (including mutual fund payments)
  • 🏢 Commercial transactions flagged via MCCs (merchant category codes)

💡 To earn maximum cashback with LIT, you must activate specific packs from the AU 0101 app. Cashback is only applicable on spends that fall within the defined merchant categories and limits of the selected pack(s).

🔎 Disclaimer: Cashback applicability and exclusions are governed by AU Bank’s AU LIT Credit Card terms & conditions. Please refer to the official website or AU 0101 app for the most updated category caps, monthly limits, and reward eligibility.

.💳 AU Bank LIT Credit Card – Complete Benefits Overview

The AU Bank LIT Credit Card is India’s first fully customizable credit card, allowing you to tailor benefits like cashback, airport lounge access, fuel surcharge waiver, and premium subscriptions to your lifestyle. With a lifetime free structure and unmatched flexibility, it’s ideal for users seeking control, personalization, and rewards on everyday spends.

🎯 Customizable Features – Tailor It Your Way

  • Choose features such as Accelerated Rewards, Category Cashback, Milestone Cashback, Lounge Access, and OTT Subscriptions
  • Each feature remains active for 90 days with auto-renewal unless deactivated manually
  • Instant control via the AU 0101 App to add, remove, or change features in real-time
  • Only pay for features you use – no hidden charges

💰 Cashback & Reward Benefits

  • Earn 1 Reward Point per ₹100 on all retail spends (excluding fuel, rent, and wallet loads)
  • Activate 5% Category Cashback for groceries, dining, travel, electronics, and apparel – up to ₹500/month
  • Opt-in for Milestone Cashback to get up to 5% extra cashback on high-value spends
  • Redeem points easily via AU Rewards for gift vouchers, merchandise, or statement credit

🛫 Travel, Fuel & Lifestyle Perks

  • Up to 2 complimentary domestic lounge visits per 90 days with Lounge Access feature (₹399 activation)
  • 1% fuel surcharge waiver at fuel stations on transactions ₹400 to ₹5,000 (₹49 activation)
  • Get 3-month subscriptions for Amazon Prime, ZEE5, or cult.fit with OTT feature (₹99–₹299)
  • All lifestyle benefits are optional and can be enabled/disabled anytime via the app

🛬 Airport Lounge Access – Detailed Information

  • Access to 50+ domestic airport lounges across major Indian cities, including:
    • Delhi – Plaza Premium Lounge (Terminal 3)
    • Mumbai – Travel Club Lounge (Terminal 2)
    • Bangalore – 080 Domestic Lounge
    • Chennai – Travel Club Lounge
    • Hyderabad – Plaza Premium Lounge
    • Kolkata – Travel Club Lounge
    • Ahmedabad – The Lounge (Terminal 1)
    • Jaipur – Primus Lounge
    • Indore – Primus Lounge
    • Pune – Earth Lounge
  • Network Partners: Lounge access facilitated through Visa Domestic Lounge Program and Mastercard Airport Experiences by LoungeKey, depending on your card variant
  • Eligibility: Lounge access feature must be activated via the AU 0101 App; a nominal ₹2 authentication fee may apply at the lounge entrance
  • Note: International lounge access is not included with the LIT Credit Card

📲 Lifetime Free & Fully Digital Card

  • No joining or annual fee – truly lifetime free
  • 100% digital onboarding with instant virtual card issuance via AU 0101 App
  • Physical card delivered to your doorstep after e-KYC completion
  • Manage all settings, limits, and offers through a single smart dashboard

🚫 Important Exclusions

  • No rewards on fuel, rent payments, wallet loads, and cash advances
  • Failure to meet milestone targets or OTT redemption conditions may result in reversal charges
  • Card does not include international lounge access or concierge benefits

🚀 Want unlimited lounge access, international perks, and concierge benefits? Explore AU’s premium offerings like the Zenith Credit Card or Vetta Credit Card.

🔎 Sources: AU Bank Official LIT Credit Card Page | BankBazaar Card Review

⚠️ Disclaimer: Information is verified as of May 2025. Card benefits are subject to change. Always confirm the latest features and charges directly with AU Small Finance Bank before applying.

✅ AU Bank LIT Credit Card – Pros and Cons

✅ Why You’ll Love the AU Bank LIT Credit Card

  • Customizable features – tailor your card benefits like cashback, reward points, and lounge access as per your lifestyle
  • Lifetime free card – no joining or annual fees ever
  • Up to 10X reward points on online and offline spends with selected features
  • 5% cashback on categories like groceries, dining, travel, electronics, and apparel
  • Complimentary subscriptions – 3-month memberships to Amazon Prime, ZEE5, and Cult Fit
  • Up to 2 complimentary domestic lounge visits per quarter with lounge access feature
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
  • Contactless payment feature for quick and secure transactions

⚠️ A Few Things to Keep in Mind

  • Feature activation fees – each benefit comes with a separate quarterly fee ranging from ₹49 to ₹499
  • Complex structure – maximizing benefits may require activating multiple features simultaneously
  • Penalty charges if spending milestones for certain features are not met
  • No reward points on fuel, rent, wallet loads, and certain utility transactions
  • Low base reward rate – 1 Reward Point per ₹100 spent, with 1 RP = ₹0.25
  • Foreign currency markup fee of 3.5% + GST on international transactions
  • No international lounge access – only domestic lounges are covered

🔎 Sources: AU Bank LIT Credit Card – Official PagePaisabazaar Review

⚠️ Disclaimer: Features and benefits are subject to change. Always refer to AU Bank’s latest terms and conditions before applying.

🎁 AU Bank LIT Credit Card – Reward Summary at a Glance

Accelerated Rewards

Up to 10X reward points on online/offline spends with selected features

🛍️

Category Cashback

5% cashback on groceries, dining, travel, electronics, and apparel

🎯

Milestone Cashback

Up to 5% additional cashback on achieving spending milestones

🛫

Lounge Access

Up to 2 complimentary domestic lounge visits per quarter with lounge access feature

💡 Reward points can be redeemed through the AU Rewardz portal. Note: No reward points on fuel, rent, wallet loads, and certain utility transactions.

🔎 Real-Life Cashback Summary (Verified & Fact-Checked)

I’ve been using the AU Bank LIT Credit Card as my daily driver throughout 2025. Its unique feature of customizable rewards makes it a standout for digitally savvy users who want control over how they earn cashback — whether on groceries, dining, travel, or utility bills.

Here’s my actual 6-month cashback report based on live usage and AU Small Finance Bank’s latest LIT policy, which lets users activate categories like 1–10% cashback slabs or accelerated reward points with caps.

  • January 2025: ₹500 cashback (Dining + Bill Payments)
  • February 2025: ₹1,000 cashback (Activated 2% Cashback Feature)
  • March 2025: ₹500 cashback (Amazon + Zomato Categories)
  • April 2025: ₹500 cashback (Milestone Bonus)
  • May 2025: ₹1000 cashback (Dining + Fuel)
  • June 2025: ₹1000 cashback (Swiggy + Flipkart)

👉 Total Cashback Earned in 6 Months: ₹4,500 (credited as monthly cashback or bill offset)

💡 Bonus Tip: If you rotate between the 5% cashback and 10X reward points features each month based on your spending, you can optimize for either cashback or rewards based on your lifestyle. I’m saving up my unused rewards to redeem Amazon and flight vouchers.

📸 6-Month Cashback Dashboard – AU Bank LIT Credit Card

AU Bank LIT Credit Card Cashback Jan–June 2025

📊 Verified cashback summary showing monthly savings across customizable reward categories. Total earned: ₹4,500.

This cashback is in addition to the LIT Card’s benefits such as:

  • 🎯 Customizable reward options: cashback, reward points, OTT, fuel, travel
  • 💳 Lifetime Free Credit Card (on eligibility)
  • 📱 Full control via AU 0101 app
  • 🛫 Lounge access and milestone benefits

🔎 Note: Cashback and rewards depend on the selected features, each having monthly caps. Points expire in 2 years. Always activate preferred features monthly in the AU app. View official AU LIT Credit Card page.

🧑‍💼 Reviewed by: Tausif Shaikh, Certified Finance Blogger & Founder of Updatepedia 📆 Last updated: May 2025

📋 AU Bank LIT Credit Card Eligibility – Who Should Apply?

The AU Bank LIT Credit Card is India’s first customizable credit card, offering a lifetime free option with flexible rewards and lifestyle benefits. Before applying, ensure you meet the following AU Bank credit card eligibility criteria to enhance your approval chances:

  • 🔞 Minimum Age:
    • Salaried individuals: 21 to 60 years
    • Self-employed individuals: 25 to 65 years
  • 💼 Income Requirement: While no specific threshold is publicly disclosed, a stable income is essential. Applicants should have a consistent income source to qualify.
  • 📍 Residential Status: Must be an Indian citizen with valid address proof and KYC-compliant identification.
  • 📊 Credit Score: A minimum CIBIL score of 650+ is recommended for a smoother approval process and favorable credit limits.
  • 📄 Documents Needed: PAN card, Aadhaar card, proof of income (latest salary slips or bank statements for the last 3 months), and a recent passport-sized photograph.

💡 Pro Tip: The AU Bank LIT Credit Card is ideal for individuals seeking a customizable credit solution. Its flexible feature selection allows cardholders to tailor benefits to their spending habits, making it suitable for first-time credit card users, young professionals, and those looking to optimize rewards.

🔎 Source: AU Bank LIT Credit Card – Official Page

📝 How to Apply for AU Bank LIT Credit Card – Step-by-Step Guide

Looking to enjoy a customizable credit card with no annual charges? The AU Bank LIT Credit Card offers a lifetime free credit card experience with flexible rewards and lifestyle benefits. Here’s a quick guide to help you apply easily — online or offline:

💻 Online Application Process

  • 🔗 Step 1: Visit the official AU Bank LIT Credit Card page.
  • 📝 Step 2: Click “Apply Now” and fill in your basic details – full name, PAN, mobile number, and email ID.
  • 📄 Step 3: Upload your KYC documents (Aadhaar, PAN) and income proof (salary slip or bank statement).
  • 📲 Step 4: Complete OTP-based authentication and video KYC (as per RBI norms).
  • Step 5: Post approval, your card is dispatched within 5–7 working days. You may receive a virtual card instantly on approval.

🏦 Offline Application (Branch or Assisted Setup)

  • Visit the nearest AU Small Finance Bank branch or connect via third-party platforms like Paisabazaar, BankBazaar, or Finserv MARKETS.
  • Fill out the application with support from bank staff or call center agents.
  • Submit your PAN, Aadhaar, and recent income proof — digital verification may be done on the spot.

📑 Documents Required for AU Bank LIT Credit Card

  • ✔️ PAN Card – mandatory for credit card approval
  • ✔️ Aadhaar Card or Passport/Voter ID – for identity and address verification
  • ✔️ Income Proof: Latest salary slips (last 2 months) or ITR/bank statement (past 6 months)

💡 You can also apply for this card through AU Bank’s partner portals, which may offer instant eligibility checks and pre-approved limits — depending on your credit score and history.

📌 Pro Tip: To boost your approval chances, maintain a CIBIL score of 700+, stable income (₹20K+), and ensure no past loan or card defaults.

🔎 Note: The AU Bank LIT Credit Card is a zero annual fee card with customizable reward plans and unlimited validity. Always check the latest terms, offers, and reward redemptions on the official AU Bank card page.

💳 AU Bank LIT Credit Card Limit – Insights & Enhancement Tips

The AU Bank LIT Credit Card stands out as India’s first customizable credit card, offering users the flexibility to tailor features to their lifestyle. Understanding your credit limit is crucial to maximize benefits and manage finances effectively. Here’s a comprehensive guide on what to expect regarding credit limits and how to enhance them over time.

📊 Typical Credit Limit Range

  • 🔹 ₹30,000 to ₹1,50,000+ – For individuals with a stable income and a CIBIL score above 650.
  • 🔹 ₹2,00,000 to ₹3,00,000+ – For applicants with higher incomes and excellent credit histories.
  • 🔹 ₹20,000 to ₹50,000 – For first-time credit card users or those with moderate credit scores.

Note: Credit limits are determined based on factors like income, credit score, and repayment history. AU Bank reserves the right to set and adjust limits as per their internal policies.

🔍 Factors Influencing Your Credit Limit

  • Income Level: Higher income can lead to a higher credit limit.
  • CIBIL Score: A score above 650 is preferred for better credit limits.
  • Repayment History: Timely payments enhance creditworthiness.
  • Existing Relationship with AU Bank: Holding other products can positively influence limit decisions.
  • Credit Utilization Ratio: Lower utilization indicates responsible credit behavior.

🔼 Strategies to Increase Your Credit Limit

  • 📆 Consistent Usage: Regularly use your card and pay bills on time.
  • 📤 Submit Updated Income Proof: Providing recent salary slips or bank statements can support your request.
  • 📈 Maintain a Healthy Credit Score: Aim for a CIBIL score above 700.
  • 📉 Keep Credit Utilization Low: Try to use less than 30% of your available credit.
  • 📞 Contact Customer Support: Reach out to AU Bank to inquire about eligibility for a limit increase.

Pro Tip: AU Bank periodically reviews accounts for automatic credit limit enhancements. Demonstrating responsible credit behavior increases the likelihood of receiving such offers.

🔎 Sources: AU Bank – Understanding Credit LimitsAU Bank – Tips to Increase Credit Card Limit

📞 AU Bank LIT Credit Card Customer Care – 24×7 Assistance & Support

If you have queries regarding your AU Bank LIT Credit Card—be it about customizable features, reward points, cashback offers, or need to report a lost card—AU Small Finance Bank offers multiple customer support channels to assist you promptly.

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📲 AU Bank Credit Card Helpline Numbers

  • 📞 24×7 Toll-Free: 1800 1200 1500
  • 📞 Alternate Toll-Free: 1800 26 66677
  • 📞 Landline (Charges May Apply): 0141-7141000 / 0141-6133000 / 0141-3071800

📧 Email Support

📱 AU 0101 App & Internet Banking

  • 📲 Manage Card Features: Activate/deactivate features, set transaction limits, and customize rewards.
  • 💳 Track Rewards & Cashback: Monitor your reward points and cashback earnings in real-time.
  • 🔐 Security Settings: Block/unblock card, set international transaction permissions, and change PIN.

🛠️ Common Services via AU Bank Support

  • ✅ Report lost/stolen card and request immediate blocking.
  • ✅ Inquire about credit limit enhancements and eligibility.
  • ✅ Resolve disputes for unauthorized or failed transactions.
  • ✅ Redeem reward points and cashback offers.
  • ✅ Update personal details like billing address and contact information.

🏢 Visit Your Nearest AU Bank Branch

Prefer in-person assistance? Locate your nearest AU Small Finance Bank branch for services like KYC updates, document submissions, or detailed consultations. Use the branch locator to find a branch near you.

💡 Pro Tip: Keep your registered mobile number and the last four digits of your credit card handy when contacting customer support to expedite the verification process.

🔎 Sources: AU Bank Contact UsCustomer SupportBankBazaar AU Bank Customer Care

🧑‍💼 My Honest Experience Using the AU Bank LIT Credit Card

As someone seeking a lifetime free credit card with customizable benefits and no annual maintenance charges, I chose the AU Bank LIT Credit Card. After using it for over 6 months, here’s my real-world review covering the pros, cons, and how it fits everyday usage.

✅ Smooth Application & Quick Approval

I applied via the AU Bank official website. The process was straightforward — I filled in my basic details, uploaded KYC documents (Aadhaar and PAN), and submitted my salary slip. My application was approved within 48 hours, and the card was delivered to my doorstep in just 4 working days.

🎁 Lifetime Free Card with Customizable Features

What I appreciate most about this card is its flexibility. The AU Bank LIT Credit Card offers a range of add-on features that you can select based on your lifestyle:

  • ✅ Up to 10X reward points on online/offline spends, depending on the chosen feature
  • 5% cashback on categories like groceries, dining, travel, and apparel
  • ✅ Access to lifestyle memberships such as Amazon Prime and ZEE5

These features are valid for 90 days and can be managed through the AU 0101 App.

📵 Transactions That Don’t Earn Rewards

Similar to other credit cards, certain transactions don’t qualify for rewards:

  • ❌ Fuel spends (though a 1% fuel surcharge waiver is available)
  • ❌ Utility bill payments and insurance premiums
  • ❌ Wallet reloads and cash advances

However, most daily categories are covered, especially if you select the right features aligning with your spending habits.

📲 App Access & Redemption Made Easy

The AU 0101 App is user-friendly and allows you to:

  • Track reward points and card balance
  • Redeem points via the AU Rewardz portal
  • Block/unblock your card and set transaction limits
  • Access card statements and alerts directly on mobile

🛡️ Travel Insurance & Lifestyle Benefits

A notable benefit is the complimentary lounge access (available as an add-on feature), enhancing travel experiences. Additionally, the card offers lifestyle memberships such as Amazon Prime and ZEE5, adding significant value to entertainment and lifestyle expenses.

💸 Final Verdict

If you’re looking for a zero annual fee credit card with real utility — like tailored reward categories, easy redemption, and contactless payment — the AU Bank LIT Credit Card is a smart pick. It’s perfect for working professionals, online shoppers, and first-time cardholders seeking value and control.

Note: Be sure to choose your add-on features wisely and manage them via the AU 0101 App to maximize returns. While the card itself is lifetime free, selected features may have associated quarterly fees.

To learn more or apply online, visit the AU Bank LIT Credit Card official page.

💳 Want a Lifetime Free Card with Tailored Rewards?

Customize your credit card benefits to match your lifestyle with the AU Bank LIT Credit Card.

✔ Lifetime Free – No Joining or Renewal Fee
✔ Up to 5% Cashback on Groceries, Dining, Travel, and Apparel
✔ Manage Features Easily via AU 0101 App

Apply Now – AU Bank LIT Credit Card

🔁 Best Alternatives to AU Bank LIT Credit Card in 2025

The AU Bank LIT Credit Card stands out with its modular benefits and flexible pricing. But if you prefer a fixed-reward structure or better value without manual customizations, check out these top 6 alternatives offering smart cashback, reward points, and lifestyle perks:

💳 Credit Card Best For Reward/Cashback Structure Annual Fee
🟧 Axis Bank ACE Credit Card
Best for Flat Cashback
Bill payments, food delivery, UPI spends 5% on Google Pay, 4% on partners, 1.5% others ₹499 (waived on ₹2L spend)
🟩 Amazon Pay ICICI Credit Card
Best Lifetime Free Card
Amazon, Swiggy, Flipkart, daily use 5% (Prime), 3% (Amazon), 1% all other spends ₹0 (Lifetime Free)
🟦 SBI SimplyCLICK Credit Card
Best for Online Shopping
Online spends on Amazon, BookMyShow, etc. 10X on select merchants, 1X elsewhere ₹499 (waived on ₹1L spend)
🟨 HDFC Millennia Credit Card
Best for Cashback + Travel
Flipkart, Amazon, Swiggy, Uber, travel 5% on partners, 1% on other spends ₹1,000 (waived on ₹1L spend)
🟥 OneCard Credit Card
Best for Gen Z/Millennials
Mobile-first users, UPI, simplified interface Up to 5X points on top 2 categories monthly ₹0 (Lifetime Free)
🟪 IDFC FIRST Classic Credit Card
Lifetime Free with Milestone Rewards
Offline spends, EMI, lifestyle, fuel waiver 3X–10X points, up to 1.5% effective return ₹0 (Lifetime Free)

💡 Expert Insight: If you don’t want to micromanage card features every 90 days, cards like IDFC FIRST Classic or Axis ACE offer consistent, high-value rewards across spends. For eCommerce users, Amazon Pay and SimplyCLICK offer zero-effort cashback while Millennia adds travel perks too.

🤔 Is the AU Bank LIT Credit Card Right for You? Maybe Not If…

The AU Bank LIT Credit Card is India’s first fully customizable credit card, offering modular features like cashback on specific categories, reward multipliers, and lounge access — all controlled by you. But this high degree of flexibility may not be for everyone. Here are a few reasons why you might want to explore alternatives:

  • Too Many Choices, Not Enough Simplicity: If you prefer set-and-forget cashback cards like Axis ACE or Amazon Pay ICICI, the AU LIT’s 90-day feature cycles might feel overwhelming.
  • No Universal Cashback: The card does not offer default cashback or rewards unless you activate paid features. For users who expect automatic savings on every transaction, this can be limiting.
  • Feature Pricing Can Add Up: While it’s marketed as a zero annual fee card, unlocking perks like lounge access, Prime membership, or 5% cashback can cost ₹49 to ₹499 every 90 days — potentially more than a regular paid card.
  • No Global Lounge Access: The travel benefits are restricted to domestic airport lounges only, and even that depends on feature activation.
  • Requires Active Management: Features are valid only for a 90-day period. If you forget to renew or don’t utilize what you’ve paid for, the value proposition drops sharply.
  • No Reward Points Without Add-Ons: The base reward structure is minimal. To earn 5X/10X rewards, you must subscribe to the respective module — which might not be viable for occasional users.

📌 Use Case Mismatch: If you prefer a simple cashback credit card that offers automatic savings on food delivery, online shopping, groceries, or utilities — without any configuration — options like Amazon Pay ICICI, SBI Cashback, or HDFC Millennia might be better fits.

💡 Tip: The AU Bank LIT Credit Card is best for users who enjoy complete control over benefits and are comfortable with tracking, activating, and optimizing features. But if you value automation and ease, consider fixed-reward cards with all-inclusive perks.

🏆 Editor’s Choice: AU Bank LIT Credit Card – India’s Most Customizable Card

The AU Bank LIT Credit Card is a revolutionary lifetime free credit card that lets you personalize your benefits. With its modular rewards structure, users can choose from cashback on groceries, travel perks, OTT subscriptions, or reward points — all through the intuitive AU 0101 app. This card is ideal for millennials, tech-savvy users, and budget-conscious spenders who value control and flexibility.

  • ✅ Up to 10% Cashback on your selected categories like dining, electronics, or travel (based on active modules)
  • ✅ 5X / 10X Reward Points on online and offline spends (activated through feature packs)
  • 🎁 Lifestyle Modules: Enjoy Amazon Prime, ZEE5, or Cult.fit benefits for 90 days by meeting spend targets
  • 💳 Lifetime Free: No joining fee or annual maintenance charges ever
  • 🛫 Domestic Lounge Access: 1 or 2 visits per quarter available with add-on pricing
  • 🛡️ Fuel Surcharge Waiver: 1% waiver on transactions between ₹400–₹5,000 (on opt-in)

Why Choose This Card:

  • Perfect for users who want to customize their credit card benefits every quarter — and only pay for what they use
  • Seamless digital control through the AU 0101 app — enable or disable features anytime
  • Great for seasonal spenders — activate cashback or lounge access only when needed
  • OTT + Fitness perks (Amazon Prime, ZEE5, Cult.fit) make it more than just a rewards card
  • ✅ Also check our Axis Bank ACE Card Review if you prefer a flat cashback model

🏁 Verdict: The AU Bank LIT Credit Card is perfect for those who want a flexible, personalized credit card experience. If you enjoy switching up your perks, tracking spend-based goals, and managing your card digitally — this is one of the smartest lifetime free cards in India for 2025.

⚔️ AU Bank LIT vs Best Customizable & Cashback Credit Cards in India (2025)

The AU Bank LIT Credit Card is India’s first truly customizable credit card. Instead of fixed features, it lets users activate modular benefits — like cashback, lounge access, or OTT subscriptions — based on their spending behavior. But how does it fare against other popular options like Axis ACE, Amazon Pay ICICI, and OneCard? Here’s a side-by-side breakdown:

Feature AU Bank LIT Axis ACE Amazon Pay ICICI OneCard
Best For Custom cashback + lifestyle feature control Utility payments via GPay Amazon Prime members Digital-native users, UPI + simplicity
Top Cashback Up to 10% on chosen modules 5% on GPay bills, 4% on partners 5% on Amazon (Prime), 3% non-Prime Up to 5X points on top 2 spend categories
Other Rewards 0.75%–2% base rewards if modules inactive 1.5% on all other spends 1% flat on general spends 1X on all other spends
Annual Fee ₹0 to ₹499 (based on selected features) ₹499 (waived on ₹2L spend) ₹0 (Lifetime Free) ₹0 (Lifetime Free)
Lounge Access Optional – 1 or 2 domestic lounges/quarter 4 complimentary visits/year Not available No lounge access
UPI Support Coming soon via RuPay variant Yes (Android only) No Yes – seamless UPI integration
Redemption Automatic cashback or reward credit via app Auto cashback to statement Direct to Amazon Pay balance Redeem via OneCard app or convert to EMI
Standout Feature Modular setup: pay only for the perks you want Best fixed cashback rate for utilities Zero-fee card with Prime-linked cashback AI-powered expense tracking and smart UI

🧾 Summary Verdict:

  • AU Bank LIT: Ideal for users who want to control their card features quarterly, prefer modular pricing, and enjoy switching between cashback, travel, or lifestyle perks as needed.
  • Axis ACE: Best for those who consistently pay bills via Google Pay and want flat cashback without setup.
  • Amazon Pay ICICI: A go-to for Amazon buyers and those who want zero maintenance + auto cashback.
  • OneCard: Great for digital-first spenders who want a clean app interface, instant UPI, and minimal complexity.

✅ Our Take: If you want a futuristic, app-based credit card with full control over what you pay for and earn from, the AU Bank LIT Credit Card is one of the most innovative choices in 2025.

🎯 Is the AU Bank LIT Credit Card Worth It?

The AU Bank LIT Credit Card is a one-of-a-kind lifetime free credit card in India that gives you full control over your card features. Instead of fixed rewards, you choose your own perks — like cashback on groceries, travel, dining, or electronics, lounge access, and even OTT memberships — using the AU 0101 app.

What sets this card apart is its **modular design**. You can activate or deactivate features like 10% cashback, 5X reward points, Amazon Prime, or domestic lounge access — all available in 90-day packs starting at just ₹49. This makes it ideal for tech-savvy, budget-conscious users who prefer personalized value over generic offers.

With no joining or renewal fees, the LIT Credit Card also offers a 1% fuel surcharge waiver, app-based card control, and tap-to-pay functionality. Whether you’re into shopping, traveling, or OTT streaming — this card lets you pay only for what you use.

💸 Annual Fee: ₹0 to ₹499 (based on selected modules)
🛍️ Best For: Users who want a flexible, app-based credit card with the ability to customize cashback, lifestyle perks, and rewards as per spending habits.

❓ Frequently Asked Questions – AU Bank LIT Credit Card

💡 What is the AU Bank LIT Credit Card?

The AU Bank LIT Credit Card is India’s first fully customizable credit card where you can select and pay only for the features you want — like cashback, lounge access, OTT subscriptions, or reward accelerators — via the AU 0101 app. LIT stands for Live It Today.

🆓 Is the AU LIT Credit Card lifetime free?

Yes, the card has no joining or annual renewal fee by default. However, you pay for specific benefits (like cashback or lounge access) as add-ons — starting from ₹49 per 90-day period.

👤 Who is eligible for the AU LIT Credit Card?

Any Indian salaried or self-employed individual with a stable income and a minimum CIBIL score of 700+ is generally eligible. AU Bank may offer lower-tier versions for scores above 650.

🧾 What are the main benefits of the AU LIT Credit Card?

  • ✅ Up to 10% cashback on dining, electronics, groceries (via activated modules)
  • 🎁 Choose lifestyle benefits like Amazon Prime, ZEE5, Cult.fit, etc.
  • 🛫 Optional domestic lounge access (1–2 visits per quarter)
  • 💸 Modular pricing: Only pay for what you activate
  • 💳 Contactless & fully app-managed card via AU 0101

📲 How do I activate features on the AU LIT card?

Login to the AU 0101 app > Credit Card section > Explore features > Select module (e.g. 5% cashback or lounge access) > Pay and activate instantly.

💸 What is the billing cycle for the AU Bank LIT Credit Card?

The billing cycle is monthly and based on your card issuance date. You can check your exact cycle and due date in the AU 0101 app or via statements.

💰 How to pay AU Bank credit card bill?

You can pay using:

  • AU 0101 app (NetBanking / UPI)
  • Auto-debit setup from AU or other banks
  • Third-party apps like CRED, Paytm, PhonePe

💳 Can I withdraw cash using the AU LIT Credit Card?

Yes, you can withdraw cash at ATMs, but charges apply: ₹250 or 2.5% of the amount (whichever is higher) + interest from Day 1.

📈 What is the interest rate of AU LIT Credit Card?

The interest rate ranges from 3.49% per month (APR ~41.88%). This applies to unpaid dues, cash withdrawals, or EMIs.

🛫 Does AU LIT offer lounge access?

Yes, but it’s an add-on. You can activate 1 or 2 domestic lounge visits per quarter through a paid module (₹199 or ₹299 for 90 days).

🔄 How to convert purchases into EMI on AU credit card?

Go to the AU 0101 app or call customer support. Eligible spends can be converted into EMIs with tenures ranging from 3 to 24 months.

📉 How to increase AU credit card limit?

Use your card regularly and pay bills on time. You may get a limit enhancement offer via app or SMS. You can also request a manual review by submitting income documents.

📦 How to check AU credit card application status?

Visit AU Bank’s status portal or call customer care at 1800-1200-1500.

📤 How to permanently close AU Bank credit card?

Call AU customer care or email creditcard.support@aubank.in. Ensure you’ve cleared all dues and deactivated active features before closure.

❌ Is there any charge to cancel the card?

No, there is no cancellation or closure fee. However, ensure all outstanding balances, EMI conversions, and module fees are paid in full.

🌟 Is AU LIT a good credit card?

Yes, it’s ideal for users who want full control over card benefits, modular pricing, and digital-first experience. However, it may not suit those looking for fixed or automatic cashback.

🏦 Is AU Bank good or bad?

AU Small Finance Bank is a reputed and RBI-regulated bank with strong digital offerings. It has grown rapidly in recent years and provides reliable services via mobile-first banking.

🧑‍💼 Reviewed by: Tausif Shaikh, Certified Finance Blogger & Founder of Updatepedia | 📆 Last updated: May 2025

💭 Final Verdict – Is AU Bank LIT Credit Card Worth It in 2025?

If you’re looking for a customizable, lifetime free credit card that offers modular benefits like cashback, lounge access, and OTT subscriptions — the AU Bank LIT Credit Card is a forward-thinking and flexible choice. It empowers users to control their perks and pay only for what they use, all via the intuitive AU 0101 app.

  • ✔️ Best Suited For: Digital-savvy users, deal hunters, and flexible spenders who want personalized cashback, lifestyle features, and modular rewards
  • ⚠️ Not Ideal For: Users who prefer fixed cashback structures, auto benefits without manual activation, or frequent international travel perks

The AU LIT card stands out for its 90-day feature packs — allowing you to activate 5%–10% cashback on select categories, unlock Amazon Prime or ZEE5 subscriptions, or enjoy domestic airport lounge access. The base card is lifetime free, and feature pricing starts at just ₹49. It’s fully app-controlled, offers contactless payments, and gives you unmatched flexibility in a credit card format.

✅ Bottom Line: The AU Bank LIT Credit Card is one of India’s most innovative credit cards in 2025. If you value modular cashback, lifestyle freedom, and digital control — it’s a game-changer in the lifetime free segment.

Tausif Shaikh

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.

Follow Tausif for practical financial insights, unbiased reviews, and money-saving tips that actually work.

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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