AU Bank LIT Credit Card

Name: AU Bank LIT Credit Card
Brand: AU Bank
Availability: InStock
Rating: 2.5 (1 reviews)

Overview

The AU Bank LIT Credit Card takes a different approach. Instead of bundling benefits into a fixed annual fee, it lets you choose only the features you want and pay for each one separately. The card itself is lifetime free with no joining or annual fee. On its own, it earns 1 reward point per ₹100 spent, a base return of 0.25% that falls below most entry-level cards.Features are activated through the AU 0101 app in 90-day cycles. Options include 5X or 10X reward points on all retail transactions, 5% cashback on groceries and apparel (capped at ₹500 per 30 days), domestic airport lounge access (2 visits per quarter for ₹399), 1% fuel surcharge waiver (₹49), and OTT subscriptions for Amazon Prime (₹299) and Zee5 (₹99). Each feature auto-renews after 90 days unless deactivated through the app.This structure suits occasional spenders who want to avoid annual fees entirely and only activate features as needed. A traveller could turn on lounge access before a trip and turn it off afterward. Someone shopping heavily for a season could activate cashback temporarily. This flexibility sets the LIT apart from traditional cards that charge a flat fee regardless of usage patterns.The main drawback is the weak base card without paid add-ons. The 0.25% base return rate falls below competitors offering 1% or more on lifetime free cards. Reward points are capped at 10,000 per statement cycle even with the 10X multiplier active. For consistent spenders who activate multiple features every quarter, a traditional card with built-in benefits may cost the same while providing better returns.

Pros

↑Lifetime free with no joining or annual fee, so the card costs nothing if you skip all optional features
↑Pick-and-pay model lets you activate only the benefits you actually use, with the option to swap selections every 90 days
↑10X reward points on all retail transactions (when activated) is among the highest multipliers available on any no-fee card
↑5% cashback on groceries and apparel gives meaningful savings on everyday spending categories when the feature is active
↑OTT subscriptions like Amazon Prime at ₹299 per quarter and Zee5 at ₹99 per quarter cost less than buying them directly at full price

Cons

↓Base reward rate of 0.25% (1 point per ₹100) is well below most entry-level cards without activating paid features
↓Reward points capped at 10,000 per statement cycle, limiting returns for high spenders even with the 10X multiplier active
↓Airport lounge access costs ₹399 per quarter for just 2 domestic visits, while several competing cards include lounge access at similar or lower effective cost
↓Features auto-renew every 90 days, so you must actively manage deactivation through the AU 0101 app or keep paying quarterly fees

Key Highlights

Welcome Offer
No active welcome offer
No welcome vouchers or joining benefits
The card is lifetime free with no joining fee
Value comes from paid customizable features

Reward Rate
1 RP per ₹100 (up to 10X paid)
Base: 1 reward point per ₹100 (0.25% return)
5X or 10X on retail with paid feature
Capped at 10,000 reward points per statement cycle
Redeemable through AU Bank rewards catalogue

Minimum Salary
₹30,000/month (salaried)
Salaried: ₹3.6 lakh/year (₹30,000/month)
Self-employed: ₹5 lakh/year
Salaried age: 21 to 60 years
Self-employed age: 25 to 65 years
Indian resident

Joining Fee
No joining fee
Lifetime free card
No joining fee charged
Optional features cost ₹49 to ₹399 per 90-day cycle

Annual Fee
No annual fee
Lifetime free card
No annual fee charged at any point
Only costs are optional feature fees

Why Choose?
Pay only for the features you choose
Customizable features from ₹49 to ₹399 per quarter
Up to 10X reward points on retail
5% cashback on grocery and apparel
2 domestic lounge visits per quarter
1% fuel surcharge waiver
Amazon Prime and Zee5 subscriptions

Key Benefits

Cashback

★3.0

▼

5% cashback on grocery and apparel (paid feature, ₹299/90 days)
Max ₹500 cashback per 30-day period
2% cashback on retail (paid feature, min ₹15,000 spend)
Max ₹1,000 cashback per 30-day period on 2% feature
Cashback adjusted against outstanding dues

Fuel

★2.5

▼

1% surcharge waiver on ₹400 to ₹5,000 transactions
Paid feature at ₹49 per 90-day cycle
Fuel surcharge waiver capped at ₹1,500 per 90-day period
Available at all fuel stations

Lifestyle

★2.5

▼

Amazon Prime subscription at ₹299 per 90 days (requires ₹10,000 spend or ₹100 penalty)
Zee5 subscription at ₹99 per 90 days (requires ₹5,000 spend or ₹50 penalty)
Cult.fit membership removed in 2025 devaluation

Reward Points

★2.5

▼

Base: 1 reward point per ₹100 (0.25% return)
5X or 10X accelerated points on retail (paid feature)
Capped at 10,000 reward points per statement cycle
₹99 redemption fee per transaction
Redeemable via AU Bank rewards catalogue

Travel

★2.0

▼

2 domestic airport lounge visits per 90 days (paid feature, ₹399)
No international lounge access
No travel insurance or air accident cover
No complimentary hotel or flight benefits

Airport Lounge Access

▼

2 domestic visits per 90-day cycle (₹399 paid feature)
Primary cardholder only
No international lounge access
Additional visits charged at lounge provider rates

Emi

▼

EMI conversion available on eligible purchases
1% processing fee (min ₹99 + GST) per conversion
Interest rates vary by tenure and amount

Detailed Information

Joining Fee	No joining fee
Annual Fee	No annual fee
Annual Fee Waiver	Not applicable (lifetime free card)
Monthly Percentage Rate	3.49%
Annual Percentage Rate	41.88%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.49%
Late Payment Charges	₹100 to ₹1,300 based on outstanding
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹100)
Balance Transfer Fee	Contact bank for applicable rates
Fee For Supplementary Card	No fee
Card Replacement Fee	₹100 to ₹200
Fee For Duplicate Statement	₹50 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	21-60 years
Age Requirement Self Employed	25-65 years
Minimum Annual Income Salaried	₹3.6 lakh (₹30,000/month)
Minimum Annual Income Self Employed	₹5 lakh/year
Minimum Credit Score	750+

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest 1-2 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents

Frequently Asked Questions

The AU Bank LIT Credit Card has no joining fee. It is a lifetime free card, meaning there is no upfront cost to get the card. The only charges you pay are optional feature fees ranging from ₹49 to ₹399 per 90-day cycle, depending on which benefits you choose to activate.

No. The AU LIT Credit Card is lifetime free with no annual fee at any point. You are never charged a recurring yearly fee. The card's cost model is based on optional feature subscriptions that you activate and pay for on a 90-day basis. If you choose not to activate any features, the card costs nothing to hold.

You select features through the AU 0101 mobile app. Each feature is priced separately and stays active for 90 days from activation. After the 90-day period, features auto-renew unless you manually deactivate them through the app. You can change your feature selections at the start of each new 90-day cycle, so the card adapts to your spending patterns over time.

Available features (per 90-day cycle): fuel surcharge waiver at ₹49, Zee5 membership at ₹99, 5X or 10X reward points on retail at varying prices, 5% cashback on groceries and apparel at ₹299, Amazon Prime membership at ₹299, and domestic airport lounge access (2 visits) at ₹399. You can activate as many or as few features as you want, and swap them every 90 days.

The base rate is 1 reward point per ₹100 spent on retail transactions, giving a 0.25% return. By activating the paid reward points feature, you can earn 5X (5 points per ₹100) or 10X (10 points per ₹100) on all online and offline retail purchases, both domestic and international. Reward points are capped at 10,000 per statement cycle regardless of which multiplier is active.

You can earn a maximum of 10,000 reward points per statement cycle. With the 10X multiplier active, you hit this cap at ₹1 lakh in retail spending per cycle. With the 5X multiplier, the cap is reached at ₹2 lakh. At the base 1X rate, you would need to spend ₹10 lakh to hit the cap, which is unlikely for most cardholders.

The 5% cashback feature costs ₹299 per 90 days and applies to groceries and apparel. You need to spend at least ₹10,000 in retail per 30-day period to qualify, and cashback is capped at ₹500 per 30-day period. There is also a 2% cashback option that requires ₹15,000 minimum retail spend and caps at ₹1,000 per 30-day period. Cashback is adjusted against your outstanding balance.

The lounge access feature costs ₹399 per 90-day cycle and gives you 2 complimentary domestic airport lounge visits. This is available to the primary cardholder only. There is no international lounge access with this card. Extra visits beyond the 2 complimentary ones are charged at the lounge provider's standard rates.

The fuel surcharge waiver is the cheapest feature at ₹49 per 90-day cycle. It provides a 1% surcharge waiver on fuel transactions between ₹400 and ₹5,000. The total waiver is capped at ₹1,500 per 90-day period. This applies at all fuel stations, unlike some competitor cards that restrict the waiver to specific fuel brands.

Two OTT subscriptions are available as paid features. Amazon Prime costs ₹299 per 90 days and requires ₹10,000 in retail spend during the period (otherwise a ₹100 penalty applies). Zee5 costs ₹99 per 90 days and requires ₹5,000 in spend (otherwise a ₹50 penalty applies). Cult.fit membership was previously available but was removed in the 2025 feature update.

All features are set to auto-renew by default. When a 90-day cycle ends, each active feature renews automatically for another 90 days and the corresponding fee is charged again. To stop a feature, you must manually deactivate it through the AU 0101 app before the cycle ends. You can also swap features at renewal time, replacing one benefit with another.

The AU LIT Credit Card was originally launched on the Visa network but AU Bank has been migrating cards to the RuPay network. New issuances are primarily on RuPay. Existing Visa cardholders can request a network change to RuPay, with a variant change fee of ₹199 plus GST. Both variants carry the same customizable features and reward structure.

Salaried applicants need a minimum monthly income of ₹30,000 (₹3.6 lakh per year). Self-employed applicants require an annual income of ₹5 lakh. Salaried applicants must be aged 21 to 60 years, while self-employed applicants must be aged 25 to 65 years. You must be an Indian resident. A credit score of 750 or higher is typically expected.

The finance charge is 3.49% per month, which works out to 41.88% per year. This applies to any outstanding balance carried past the payment due date. The interest-free period is up to 48 days if you pay the full statement balance by the due date each month.

The foreign currency markup is 3.49% on all international transactions. This applies to any purchase made in a foreign currency, whether online or at a physical store abroad. The card does not have a zero forex feature, so international spending on this card is relatively expensive compared to dedicated travel cards that charge 1% to 2%.

Late payment fees are slab-based and range from ₹100 to ₹1,300 depending on your total outstanding amount. These charges apply when you fail to pay at least the minimum amount by the statement due date. GST is added on top of the late payment fee.

Eligible purchases can be converted to EMI. A processing fee of 1% of the transaction value (minimum ₹99 plus GST) applies per conversion. Tenure options and interest rates depend on the transaction amount and your account standing. EMI conversions do not earn reward points.

The LIT works best for people who want a no-fee card with the ability to turn benefits on and off. If you activate the fuel surcharge waiver (₹49), 5% cashback (₹299), and lounge access (₹399), the total quarterly cost is ₹747. That adds up to roughly ₹3,000 per year, which is comparable to many mid-tier annual fee cards. The advantage is flexibility: you pay only during quarters when you need specific benefits. The disadvantage is the 0.25% base return and 10,000-point monthly cap. For consistent high spenders, a card with built-in benefits at a fixed annual fee often provides better overall value.