LIT Credit Card
AU's lifetime-free customisable card: 1 point per ₹100 as standard (up to 10,000 points a statement cycle), with paid 90-day feature packs such as 5x or 10x points, cashback, lounge visits and a fuel waiver; points are valued at ₹0.25. Every figure below is copied from AU Small Finance Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | 18% |
| Foreign-currency markup | 3.49% of the transaction, plus GST Terms |
| The card itself is lifetime free, but its features are bought separately for 90 days at a time (from ₹49 a quarter, plus GST) and renew automatically unless switched off. CardWise counts only the free base card. | |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points, ₹0.25 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| All eligible retail spends, without paid features (utility and telecom up to 100 points a transaction) | 1 point per ₹100 Terms | up to 10,000 points a statement cycle Terms |
Paid feature packs raise the rate: 5x points for ₹199 or 10x points for ₹299 for 3 months (the base point is included). Cash, BBPS and EMI transactions earn no points.
No rewards on
Benefits
- Lounges: none on record
Also on this card
Quoted from AU Small Finance Bank; not counted in the net value.
- Paid feature: 10x points on all spends for ₹299 for 3 months (5x for ₹199) Product page
- Paid feature: extra 5% cashback on ₹10,000 of spend in 30 days (or 2% on ₹15,000) for ₹199, up to ₹500 a 30-day cycle Product page
- Paid feature: a domestic airport lounge visit for ₹399, up to 2 per 90 days Product page
- Paid feature: 1% fuel surcharge waiver on ₹400 to ₹5,000 fills for ₹49 (no waiver without it) Product page
- Paid feature: 3 months of Amazon Prime for ₹299 + GST (spend conditions apply) Product page
- Paid feature: ₹200 Amazon Pay e-gift voucher for ₹50 Product page
- Credit shield of up to ₹1.5 lakh Product page
Eligibility
- Salaried: age 21 to 60 Product page
- Salaried: age 21 to 60 Product page
- Self-employed: age 25 to 65 Product page
- Self-employed: age 25 to 65 Product page
- Resident Indian Product page
- Salaried or self-employed Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by AU Small Finance Bank in the documents read
- a welcome benefit
- a reward rate on UPI spends with the RuPay card
Where AU Small Finance Bank’s documents differ, and what is used
- Point value: the LIT pages give no rupee value; CardWise uses AU's general FAQ figure, which AU writes as '0.25 paise' but which can only mean ₹0.25 (25 paise).
The quotes behind the figures
32 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“Lifetime Free Credit Card.”
“18% applicable on all fees, interest & charges.”
“Altura, Altura Plus, LIT, Business Cashback, InstaPay, AU SPONT, SwipeUp - Xcite Series of Cards - 3.49%”
“Value of 1 Reward Point is 0.25 paise for all categories excluding E-vouchers where the value for 1 Reward Point is 0.20 paise.”
“Cardholders are eligible for earn rate of 1 Reward Point for every INR 100 retail spends done on the LIT Card.”
“Cardholders can earn a maximum of 10000 Reward Points in a statement cycle.”
“Cash Withdrawal (MCC- 6010, 6011), BBPS, EMI, Fuel transactions (MCC- 5172, 5541, 5542, 5552 and 5983), Rent (MCC- 6513), Education & Govt (MCC- 8211, 8220, 8241, 8244, 8249, 8299, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950) transactions will not be considered for earning of Base Reward Points.”
“LIT, InstaPay, ABC FLEX, ABC NXT & SwipeUp Xcite Series of Cards - Lifetime Free”
“Credit Card Variant Altura, Altura Plus, LIT, Business Cashback, InstaPay, AU SPONT, SwipeUp-Xcite Series of Cards, AU KOSMO, Vetta, Prathama, Tejas, Laksya, Ananta, CheQ, Paytm AU, AU Zaggle, Zenith AU CA, AU CS Zenith+, NOMO, Traverse (NRI) ixigo AU Currency Markup Charges 3.49%”
“Cardholders can earn base -1 Reward Point per INR 100 spent on Utility and Telecom spends (with a maximum of 100 Reward Points per transaction).”
“Features starting at ₹49* per quarter”
“5x Reward Points on all online or offline domestic and international transactions. ₹199 for 3 months”
“Base earning of Reward Points is included in accelerated earn rate.”
“Get additional 5% and 2% cashback on your retail spends at ₹199*.”
“Max. Cashback of INR 500 is applicable for each 30 days' cycle/period.”
“(c) Fuel surcharge waiver not applicable on LIT Credit Card”
“All features, activated by cardholders, are valid for 90 days effective from the day they are activated.”
“1.10 "Card transactions"/ "Transactions" shall mean all types of Credit Card transactions including online transactions, POS transactions, Contactless transactions (via device or via Credit Card), UPI transactions (made on RuPay Credit Cards), Standing Instruction transactions and other application Credit Card transactions.”
“A nominal fees of INR 99 + GST will be levied on each successful redemption.”
“10x Reward Points on all online or offline domestic and international transactions. ₹299 for 3 months”
“Additional 5% cashback on minimum spends of ₹10,000.”
“Note: 1 complimentary visit to Airport Lounge at ₹399. Maximum 2 visits can be selected for a 90-day period.”
“Enjoy 1% Fuel Surcharge Waiver for transactions between ₹400 and ₹5,000 at all fuel stations across the country for ₹49.”
“unlimited free delivery, video streaming, exclusive access to deals, and much more. add for ₹ 299 + GST”
“Get a ₹200 Amazon Pay e-gift voucher by adding it for ₹50”
“Get a credit shield of up to ₹1.5 lakh.”
“Salaried: 21 years to 60 years”
“Self Employed: 25 years to 65 years”
“- Resident Indian”
“Both salaried and self-employed individuals”
“India's 1st Customisable Credit Card AU LIT Credit Card Apply Now”
“for example from LIT VISA to LIT RuPay or vice versa will not be eligible for earlier subscribed features/benefits and cashback”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with AU Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is AU Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology