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Lifetime FreeLast updated: 1 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Base 1 Reward Point per ₹100 spent
Earn a base of 1 RP per ₹100 on retail spends. You can buy 5X or 10X reward packs (for either online or offline spends) starting from ₹199 per 90-day cycle. Spends on fuel, rent, cash withdrawals, and EMI are excluded.
Redeem for
The privileges that come bundled in, beyond the reward points.
Customizable Packs: Buy targeted benefits like 5% cashback on groceries (₹299/90 days) or apparel (₹199/90 days) directly from the app
Milestone Cashback: Subscribe to milestone packs to earn 2% or 5% additional cashback on reaching specific monthly spend targets (e.g.
₹10,000 or ₹15,000)
Lounge Access: Purchase domestic airport lounge access (1 visit per 90-day cycle) by activating the lounge pack starting at ₹199/₹399 depending on the tier
Subscriptions: Opt for 3-month ZEE5 or Amazon Prime memberships at discounted feature rates (minimum spend conditions apply to avoid penalties)
Fuel Surcharge Waiver: Pay ₹49 per 90 days to activate a 1% waiver on fuel transactions between ₹400 and ₹5,000
An honest read on where this card earns its keep — and where it doesn't.
India's first fully customizable credit card where you only pay for the specific features you want
The base card is genuinely lifetime free with no hidden annual renewal fees
Flexible 90-day feature packs allow adapting the card's benefits to your changing spending habits
High potential value if feature packs are carefully matched with targeted category spending
The base reward rate without any packs active is extremely low (0.25% value)
Unused paid features auto-renew every 90 days, which can drain money if you forget to switch them off
Complicated modular structure requires active management via the mobile app to ensure you break even on pack costs
High foreign currency markup of 3.49% makes it unsuitable for international usage
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how AU Bank LIT Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about AU Bank LIT Credit Card fees, reward conversion, lounge access, and application eligibility.
Yes, AU Bank LIT Credit Card is issued as a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual renewal fee. Cardholders do not need to hit an annual spend target to waive the fee. Standard GST is only applicable on interest or fee-based services if incurred.
AU Bank LIT Credit Card earns Reward Points & Cashback at a primary rate of Base 1 Reward Point per ₹100 spent. Specifically, Earn a base of 1 RP per ₹100 on retail spends. You can buy 5X or 10X reward packs (for either online or offline spends) starting from ₹199 per 90-day cycle. Spends on fuel, rent, cash withdrawals, and EMI are excluded.. Spends in Lifetime Free, Cashback, Lifestyle categories provide the maximum valueback per transaction on this card.
Yes, because AU Bank LIT Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Rewards earned on AU Bank LIT Credit Card can be redeemed for Merchandise & E-Gift Vouchers (1 Point = ₹0.20 to ₹0.25), Flight & Hotel Bookings, Mobile & DTH Recharge via AU Small Finance Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
Yes, AU Bank LIT Credit Card features complimentary airport lounge privileges. Privileges include: "Lounge Access: Purchase domestic airport lounge access (1 visit per 90-day cycle) by activating the lounge pack starting at ₹199/₹399 depending on the tier". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 700 or above is strongly recommended for approval of AU Bank LIT Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
AU Bank LIT Credit Card levies a forex markup fee of 3.49% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
AU Bank LIT Credit Card currently features a welcome offer: "The base card is Lifetime Free. Customize your benefits on-the-go via the AU 0101 app and pay only for the 90-day feature packs you activate.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include India's first fully customizable credit card where you only pay for the specific features you want and The base card is genuinely lifetime free with no hidden annual renewal fees. However, keep in mind that The base reward rate without any packs active is extremely low (0.25% value) and Unused paid features auto-renew every 90 days. Overall, AU Bank LIT Credit Card delivers strong value if your regular spending aligns with Lifetime Free, Cashback, Lifestyle.
Yes, AU Bank LIT Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: Pay ₹49 per 90 days to activate a 1% waiver on fuel transactions between ₹400 and ₹5). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
