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AU Small Finance Bank · Visa / Mastercard / RuPay · हिन्दी

AU Bank LIT Credit Card: full review

The AU LIT is a genuinely innovative card that rewards disciplined spenders. The lifetime-free base with opt-in feature packs means you only pay when you have high planned spend in a specific category. However, if you want simplicity, a dedicated cashback card like Axis ACE delivers better value with zero management overhead.

Apply now ↗Annual fee: Lifetime free
Last updated: August 2026 · Current terms verified
AU SMALL FINANCE
VISA
)))
LIT
ASHOK KUMAR
12/28
Lifetime free (paid add-on features: ₹49–₹399 per 90 days)Annual fee
1 reward point per ₹100 on all spends (0.25% base); up to 5% cashback with paid feature packsReward structure
Available as paid add-on (₹399/90 days: 1 domestic visit/quarter)Lounge access

Key benefits of the AU Bank LIT Credit Card

1 reward point per ₹100 on all retail spends (base; 0.25% effective)Opt-in feature: 5% cashback on dining, travel, grocery, electronics or apparel (₹199–₹299/quarter, capped ₹500/month)Opt-in feature: 2% cashback on all retail spends (₹199/quarter, min ₹15,000 spend, max ₹1,000/month)Opt-in feature: 10X reward points on all online/offline spends (₹199/quarter)Lounge access available as paid add-on (₹399/quarter)1% fuel surcharge waiver on transactions ₹400–₹5,000Lifetime free, no annual fee ever
Apply now ↗ Min. income: ₹4L+/year · Credit score: 650+
Pros and cons
Pros
✓ India's first customizable credit card, pay only for features you use
✓ Lifetime free base card, zero holding cost
✓ Up to 5% cashback on chosen category with paid pack
✓ Easy approval for beginners and students
Cons
✗ Base reward rate is very low at 0.25%
✗ Paid feature packs add cost and complexity, requires discipline to manage
✗ Penalty charges if you don't meet minimum spend for paid features
✗ Small finance bank issuer, less established than private banks
Quick facts
Issuer AU Small Finance Bank
Network Visa / Mastercard / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free (paid add-on features: ₹49–₹399 per 90 days)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Available as paid add-on (₹399/90 days: 1 domestic visit/quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹4L+/year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 650+
SourceAU Small Finance Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for AU Bank LIT Credit Card is Lifetime free (paid add-on features: ₹49–₹399 per 90 days). This card is lifetime free with no annual fee.
The main benefits of the AU Bank LIT Credit Card are: 1 reward point per ₹100 on all retail spends (base; 0.25% effective); Opt-in feature: 5% cashback on dining, travel, grocery, electronics or apparel (₹199–₹299/quarter, capped ₹500/month); Opt-in feature: 2% cashback on all retail spends (₹199/quarter, min ₹15,000 spend, max ₹1,000/month); Opt-in feature: 10X reward points on all online/offline spends (₹199/quarter); Lounge access available as paid add-on (₹399/quarter); 1% fuel surcharge waiver on transactions ₹400–₹5,000; Lifetime free, no annual fee ever.
1 reward point per ₹100 on all spends (0.25% base); up to 5% cashback with paid feature packs
AU Bank LIT Credit Card is best for Customizable lifetime free card, choose and pay only for the features you need. The AU LIT is a genuinely innovative card that rewards disciplined spenders. The lifetime-free base with opt-in feature packs means you only pay when you have high planned spend in a specific category. However, if you want simplicity, a dedicated cashback card like Axis ACE delivers better value with zero management overhead.
The minimum income requirement for AU Bank LIT Credit Card is ₹4L+/year. A minimum credit score of 650+ is also recommended.
Yes, AU Bank LIT Credit Card offers Available as paid add-on (₹399/90 days: 1 domestic visit/quarter).
AU Bank LIT Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Shopping Credit Cards →Best Lifetime Free Credit Cards →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Students →Best Credit Cards for Self-Employed →
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AU Bank LITLifetime free
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