AU LIT Credit Card by AU Small Finance Bank — Credit Card Image
AU Small Finance Bank Review Verified: 2026-09-27

AU LIT Credit Card

4.0 / 5.0 Rating
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#lifetime-free #rewards

Fees

Lifetime Free

Joining & annual

Reward Rate

1 Reward Point per ₹100 by default; paid features add 5X or 10X Reward Points on online or offline spends (max 10,000 points per statement cycle) or 5% cashback on grocery or apparel (max ₹500 per 30 days)

Welcome Bonus

N/A

Lounge

Paid add-on: domestic visits, up to 2 per 90 days

Overview Perks & Milestones Fees & Interest Eligibility FAQs Compare

Our Expert Take

AU LIT is a lifetime free credit card that lets you pick and pay for only the benefits you use, such as 10X Reward Points, 5% grocery or apparel cashback, lounge visits and OTT memberships, each switched on for 90 days at a time.

Reward limits

Checked 3 Oct 2026 · Bank terms

  • All reward points (base plus 5X/10X features)

    Max 10,000 points per statement cycle

  • 5% grocery or apparel cashback feature

    Max ₹500 per 30-day cycle

    Reached after about ₹10,000 of spend

  • Points on utility and telecom bills

    Max 100 points per transaction

No rewards on: Cash, BBPS, EMI, fuel, EV charging, rent, education, government; utilities/telecom max 100 points per txn

Pros & Cons

Key Advantages

  • Lifetime free, with no joining or annual fee
  • Switch on only the benefits you want, from accelerated rewards to category cashback, lounge visits and memberships
  • Features start at ₹49 for 90 days, so a light user can keep costs very low
  • Base Reward Points are earned on top of any cashback feature

Limitations

  • The base rate without paid features is only 1 Reward Point per ₹100
  • Features auto-renew every 90 days and can't be switched off within 90 days of turning them on
  • Feature menu and prices change from time to time, so check the AU 0101 app before choosing
  • Membership features charge a penalty if you miss their spend condition

Key Perks & Spending Milestones

Accelerated Reward Points: choose 5X or 10X on online spends, and 5X or 10X on offline spends (max 10,000 points per statement cycle)

Category cashback: 5% on grocery or 5% on apparel, up to ₹500 per 30-day cycle

Milestone cashback: extra 5% or 2% cashback on retail spends when you meet a 30-day spend target

Domestic airport lounge visits as a paid feature, up to 2 per 90 days

Amazon Prime and ZEE5 3-month memberships, subject to spend conditions

1% fuel surcharge waiver feature on transactions of ₹400 to ₹5,000, up to ₹1,500 per 90 days

Features managed in the AU 0101 app, each valid for 90 days

Fees & Charges

Joining fee

Lifetime Free

Annual fee

Lifetime Free

No joining or annual fee. You pay only for the features you switch on, for 90 days at a time.

Interest rate

3.75% per month (45% per annum)

Late payment fee

15% of the Total Amount Due, capped at ₹1,300, plus GST.

Eligibility Criteria

age

Salaried: 21 to 60 years; Self-employed: 25 to 65 years

employment profiles

Salaried or self-employed

Credit score & income

Good (750+)

Frequently Asked Questions

Is the AU LIT Credit Card really free?
Yes. There is no joining or annual fee. You pay only for the features you choose to switch on, and each feature lasts 90 days.
How do LIT features work?
You pick features such as 10X Reward Points or 5% grocery cashback in the AU 0101 app. The fee for 90 days is billed to your card, and the feature renews automatically unless you turn off auto-renewal.
Can I cancel a feature any time?
No. A feature can't be deactivated within 90 days of activation. You can switch off auto-renewal from the AU 0101 app 7 days after activation, and it then ends at the close of the 90-day period.
What does LIT earn without any features?
1 Reward Point per ₹100 on eligible retail spends. Fuel, rent, EMI, cash withdrawals, education and government payments earn nothing.
Is there a cap on LIT cashback?
Yes. 5% category cashback on grocery or apparel is capped at ₹500 per 30-day cycle, and reward points are capped at 10,000 per statement cycle.

Compare AU LIT Credit Card With Similar Cards

Card Annual Fee Reward Rate Lounge Access Rating
AU LIT Credit Card This Card Lifetime Free 1 Reward Point per ₹100 by default; paid features add 5X or 10X... Paid add-on: domestic visits, up to 2 per 90 days 4.0/5
Ixigo AU Credit Card Free 5 Reward Points per ₹200 spent, flat across all online and offline... 8 Domestic + 1 International/yr + 8 Railway/yr (₹50K Qtr Spend) 4.0/5
Cheq AU Credit Card ₹499 + Taxes 12% rewards on Amazon, Flipkart, Zomato, BigBasket & CheQ app bill... No Lounge Access 4.3/5
AU Zenith+ Credit Card ₹4,999 + Taxes Up to 2 Reward Points per ₹100 on dining, travel & international... 16 International/yr via Priority Pass 3.5/5

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