AU Bank LIT Credit Card Review (2026)

Quick verdict: The AU Bank LIT Credit Card is best for customisable, lifetime-free. It earns Pay-per-feature, base 0.25%, with an annual fee of Lifetime free (pay per feature). Hold it if its strongest category matches where you spend the most, and always pay the full bill to keep the rewards worthwhile.

Overview

The AU Bank LIT is India’s first fully customisable credit card: the card itself is lifetime free, and you switch individual features (accelerated rewards, cashback, lounge access, fuel waiver) on and off for 90-day periods, paying only for what you use.

It suits people who want control — activate lounge access before a trip, turn on grocery cashback for a busy month — rather than paying a fixed annual fee for a bundle.

Fees & Charges

Rewards & Benefits

• Lifetime-free base card with a 0.25% base reward on every spend.
• Activate accelerated 10X or 5X reward points on online/offline/international spends as a paid feature.
• Add up to 5% cashback on categories like groceries or apparel when you need it.
• Switch on airport lounge access (up to 2 visits per quarter) and a 1% fuel surcharge waiver as features.
• Manage, modify or deactivate any feature in 90-day cycles via the AU 0101 app.

Pros & Cons

Who Should Get This Card?

• People who want to customise benefits to their spending
• Users with seasonal or variable needs (travel, shopping)
• Anyone wanting a lifetime-free base with optional perks

Frequently Asked Questions

How to Get the Most from the AU Bank LIT Credit Card

• Use it where it is strongest — customisable, lifetime-free — where it earns Pay-per-feature, base 0.25%; route other spends to a card that rewards them better.
• Always pay the full statement balance by the due date so interest never eats your rewards.
• Track the fee and its waiver (Lifetime free (pay per feature)) and aim to cross the waiver spend if the card is worth keeping.
• Redeem rewards regularly through the highest-value option so points or cashback never lapse.
• Set up auto-pay, transaction alerts and sensible online/international limits in the issuer’s app.

Eligibility & Documents

Exact criteria depend on AU Small Finance Bank and the card variant, but for the AU Bank LIT Credit Card you will usually need:

• Age: generally 18–65 years.
• Income: a stable salaried or self-employed income; entry cards often start around ₹15,000–₹25,000 a month, while premium variants need more.
• Credit score: 700+ helps, and 750+ unlocks the best terms and limits.
• Documents: PAN (mandatory), an address proof (Aadhaar/passport/utility bill), income proof (salary slips, Form 16 or ITR) and a photograph.

Existing AU Small Finance Bank customers, and applicants with a clean repayment history, typically see faster approval and higher starting limits.

How Rewards Work & Redemption

This card earns Pay-per-feature, base 0.25%. To judge its real value, look past the headline rate to what each reward is actually worth on redemption — cashback is credited at face value to your statement, while points and miles vary by how you redeem them (vouchers, catalogue products, statement credit, or airline/hotel transfers, which usually give the best value). Redeem before any expiry, and remember that fuel, rent, wallet loads and government payments are commonly excluded from rewards.

Plan Smarter With Free Tools

Get more out of this card with our free, no-login calculators and guides:

• EMI Calculator — work out the real cost before converting a big purchase to EMI.
• Interest Calculator — see how much revolving a balance actually costs you.
• Finance Glossary — plain-language definitions of APR, billing cycle, utilisation and more.
• Learn Hub — quizzes, flashcards and guides to sharpen your money skills.
• Compare all 60 cards — see how this card stacks up against the rest.

Related Credit Cards

Still comparing? Look at these related cards, or browse the full best credit cards in India guide and comparison table:

• SBI SimplyCLICK Credit Card — Online shopping (entry-level)
• IDFC FIRST Select Credit Card — Lifetime-free all-rounder
• IDFC FIRST WOW Credit Card — Secured / first card
• IDFC FIRST Millennia Credit Card — Lifetime-free rewards
• Tata Neu Plus HDFC Bank Credit Card — Entry Tata ecosystem