AU LIT Credit Card Review
Online Shopping card with lounge access
The AU LIT is lifetime free (no joining or annual fee). It earns 0.25% back on regular spends and up to 2.5% on Online, with 8 domestic airport lounge visits a year. Best for: diy customisers who actively manage feature packs — our verdict: consider.
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AU LIT is a modular, lifetime-free card where you activate paid feature packs to unlock cashback and up to 10x rewards. For someone who tailors features to their spending it can be efficient, but the base card alone earns little and the recurring 90-day fees plus 3.49% forex markup mean the value is entirely in active management.
Online Shopping card with lounge access
The Bottom Line
The AU LIT is built for customisation-minded user and free-card lounge seeker. With no annual fee, it offers 2.5% rewards on online and a welcome benefit worth ₹300. It makes the most sense if your spending matches customisation-minded user and free-card lounge seeker.
It earns a base reward rate of 0.25% and stacks best when your spending lines up with Customisation-minded user, Free-card lounge seeker.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealSomeone who wants to switch on only the reward and cashback features matching their spend pattern, paying small 90-day fees as needed.
A user attracted to 8 domestic lounge visits on a card with no mandatory annual fee.
Probably not for
SkipThe card earns very little unless you actively buy and renew feature packs, which adds cost and admin.
The 3.49% forex markup and absence of any travel reward focus make it weak abroad.
Is It Worth It For You?
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Reward Rates
AU LIT offers 0.25% basic reward rate.
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Welcome Offer
Rs. 300 Amazon Pay / Swiggy / Zomato voucher on a minimum transaction of Rs. 300. Also 3-month ZEE5 and Amazon Prime subscriptions (subject to feature/offer availability).
Milestone Benefits
5% milestone cashback feature (Rs. 299 / 90 days): on minimum spend of Rs. 10,000 in a 30-day period, earn 5% cashback up to a maximum of Rs. 500 per 30 days.
2% milestone cashback feature (Rs. 199 / 90 days): on minimum spend of Rs. 15,000 in a 30-day period, earn 2% cashback up to a maximum of Rs. 1,000 per 30 days.
Fees & Charges
Eligibility
- Min Income: ₹5 Lakhs
- Min Credit Score: 750
- Resident Indian aged 18-65; stable income required; both salaried and self-employed eligible; base card is lifetime free; optional feature fees apply quarterly.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Withdrawal
- Does not earn reward points.
Frequently Asked Questions
7 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the AU Small Finance Bank website.
Apply on AU Small Finance Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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