AU Bank Lit Credit Card - Features, Benefits, Fees & Charges

AU Bank LIT Credit Card (4)

Regular Best For: Lifestyle
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Have you ever wished for a credit card that lets you pay only for the features you use? Now, AU Small Finance Bank has made it possible and introduced the first of its kind in India, the AU Bank LIT Credit Card. With the LIT Credit Card, you can customise your card to match your unique lifestyle and spending habits and only pay for the features you use. There are no joining or annual fees, and you also earn a base reward rate of 0.25% on every spend. Let's explore the features and benefits of this card and learn how to apply.

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Cashback Benefit
  • 5% cashback 3 times over period of 90 days.
  • 5% cashback for travel, dining, grocery, electronics, and apparel expenses in addition to 1 reward point per ₹100 spent.
  • Additional 2% cashback 3 times over a 90 days’ period.
  • 2% cashback for retail spends in addition to 1 Reward Point per ₹100 spent.
Reward Points
  • 10X or 5X reward points on all online domestic & international retail transactions.
  • 10X or 5X reward points on all POS & Contactless offline domestic & international transactions.
  • Reward Rate = 0.25%
Zero Lost Card Liability
  •  In an unfortunate event of loss of Credit Card, you carry zero liability up to ₹1,50,000 or your credit limit, whichever is lower on any fraudulent transactions made with card after reporting the loss to the bank.
  • Also, you are protected against Card Counterfeit/Skimming and Online frauds.
Lounge Access

4 Free Lounge visits per 90 days.

Fuel Surcharge

1% fuel surcharge waiver on all transactions between ₹400 to ₹5,000.

Interest-Free Period

Interest-Free period of 50 Days.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

Free

Annual Fee

Free

Annual Percentage Rate

43.08%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

20%

Card Replacement Fee

₹ 100

Foreign Transaction Fee

3.49%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹ 0.25
Late Payment Charges

Balance below ₹ 100

Nil

Balance from ₹100 to ₹500

₹ 100

Balance from ₹500 to ₹5000

₹ 500

Balance from ₹5000 to ₹10000

₹ 700

Balance from ₹10000 to ₹20000

₹ 800

Balance from ₹20000 to ₹50000

₹ 900

Balance more than ₹50000

₹ 1100
Pros

Aspects that make this credit card amazing.

  1. Allows users to customize features.
  2. 5% cashback for retail spends.
  3. Avail credit shield coverage of up to ₹1.5 lakh.
  4. 1% fuel surcharge waiver.
Cons

Aspects this credit card lacks.

  1. No concierge services are available other than card assistance.
  2. No reward points on Cash withdrawal, Fuel and EMI transactions.
  3. Charges ₹99 for reward redemption.
AU Bank LIT Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(4)

Rewards

(3.5)

Customer Service

(3)

AU Bank LIT Credit Card Review

The AU Bank LIT Credit Card is an excellent choice for people who want a credit card that can be customized to their liking, with plenty of rewards and benefits. This fantastic card offers a range of benefits, including cashback, rewards, travel perks, purchase protection, and no annual fee. With the ability to personalize the benefits according to personal preferences, the AU Bank LIT Credit Card sets itself apart from other credit cards, giving individuals the freedom to choose what suits their lifestyle and needs.
Whether you prefer cashback rewards, travel benefits, or purchase protection, this card caters to your unique needs. However, it is essential to evaluate your requirements and the associated fees before applying for this card. Overall, the AU Bank LIT Credit Card provides great value for money.

Overview

Best For Lifestyle
Joining Fee Lifetime Free
Annual Fee Lifetime Free
Reward Rate 0.25%
Welcome Bonus None
Card Network Visa

Reward Points

  • 10X or 5X Reward Points on all online domestic & international retail transactions.
  • 10X or 5X Reward Points on all POS & Contactless offline domestic & international transactions.
  • 1 Reward Point per ₹100 spent.
  • 1 Reward Point Value: ₹0.25.

Who should get the AU Bank LIT Credit Card?

The AU Bank LIT Credit Card is ideal for individuals seeking a luxurious and rewarding shopping experience. It offers 5X/10X Reward Points on retail transactions, along with milestone and category cashback options. With airport lounge access and memberships to entertainment and fitness platforms, it caters to frequent travellers and those who value convenience. The card also provides security with card liability cover and credit shield. Overall, the AU Bank LIT Credit Card is perfect for those who prioritize luxury, rewards, and exclusive privileges in their banking experience.

How to apply for AU Bank LIT Credit Card?

There are two ways to apply for the LIT Credit Card: online and offline.

Online application

  • Download the AU 0101 app on your phone.
  • Log in and go to the credit card homepage and click on "Manage your credit card".
  • Check the price of each feature and choose as per your affordability.
  • You can choose or modify your features as per your needs.
  • You can also switch off your auto-renewal whenever you need it on your app.
  • You can keep track of your spending and manage it on the AU 0101 app.

Offline application

  • Visit the nearest AU Bank branch.
  • Fill in the credit card application form and attach the documents required.

AU Bank LIT Credit Card Eligibility

  • Age: 21 to 60 years.
  • Resident: Indian.
  • Income: Applicants must have a stable source of income to be eligible for this credit card.

Documents Required

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than three months old), latest Form 16, and the last 3 months’ bank statement.
AU Small Finance Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

AU Small Finance Bank

AU Small Finance Bank Credit Card Customer Care Number:

1800 1200 1500

Email Support:

creditcard.support@aubank.in

AU Small Finance Bank Card Offers:

View Offers

Total Cards:

10,33,176
AU Small Finance Bank Credit Card News
03 Nov 2023, Friday
1. Ixigo has partnered with AU Small Finance Bank to launch a cobranded credit card to cater to the growing demand of travellers from smaller markets.

The ixigo-AU co-branded credit card enables customers to experience seamless travel across all travel verticals, including flights, trains, buses, and hotels. The co-branded credit card provides a range of exclusive benefits that cater to the requirements of both frequent and occasional travellers. It is specifically designed to address the evolving needs of modern travellers who seek flexibility, convenience, and value.


This co-branded card entitles travellers to discounts of up to 10% on flights, buses, and hotel bookings made through the ixigo platform. With its diverse offerings and advantages, this credit card presents itself as an ideal choice for customers who demand an all-in-one travel solution.

06 Oct 2023, Friday
2. Earn a 10% cashback on Amazon Great Indian Festival Sale and Flipkart Big Billion Days Sale when you make payments with AU Bank Credit Cards.

It's a good time to shop online and save some money!
AU Bank has introduced a festive season offer for cashback on Amazon and Flipkart. Customers using AU Bank Credit Cards can earn 10% cashback on purchases during the offer period, which runs from October 7th to October 12th, 2023. The minimum transaction amount to qualify for this offer is Rs. 5,000, and customers can earn up to Rs. 1,500 in cashback.

AU Bank is known for providing excellent deals and offers through its lifetime free credit cards. This offer is particularly advantageous for those planning to shop during the Big Billion Day Sale on Flipkart and the Great Indian Festival Sale on Amazon.

Note-
- The offer is not valid on AU Bank Corporate Cards.
- This offer is only valid on the following categories – Mobile Phones, Electronics, Furniture, Apparel, and Household Appliances.

AU Bank LIT Customer Reviews

No Customer reviews yet. Be the first to review this card.

Frequently Asked Questions

You can redeem the reward points earned through AU Small Finance Bank LIT Credit Card post the statement is generated.

The LIT Credit Card offers a number of benefits, including:

  • No annual fee
  • High rewards: You can earn up to 5% cashback on online shopping and dining.
  • Customizable features: You can choose the features that are most important to you, such as travel insurance, cashback, or rewards points.

To be eligible for the LIT Credit Card, you must:

  • Be a resident of India.
  • Have a stable source of income.
  • Have a good credit score.

The interest-free period for AU Small Finance Bank LIT Credit Card is up to 48 days (not applicable for cash withdrawal).

You can apply for the LIT Credit Card online or offline. To apply online, you can download the AU 0101 app on your phone and follow the instructions. To apply offline, you can visit the nearest AU Bank branch and fill in the application form.

To build your LIT Credit Card, you must follow the steps mentioned below:

Step 1: Visit the official website of AU Bank & scan the barcode to download AU 0101 app
Step 2: Go to the credit card homepage & click on ‘Manage Credit Card’ to explore the available benefits
Step 3: Check the pricing of each feature & select the one that suits your needs the best
Step 4: Now, choose the feature. You can disable the auto-renewal of any feature through AU 0101 App
Step 5: You can now manage and track your cashback, and rewards from existing active benefits

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