What is the AU Bank LIT Credit Card?

The AU Bank LIT Credit Card is India's first customizable credit card, allowing users to select features and pay only for what they use.

Are there any joining or annual fees for the AU Bank LIT Credit Card?

No, the AU Bank LIT Credit Card is lifetime free with absolutely no joining or annual fees.

How do I manage the features on my AU Bank LIT Credit Card?

You can easily switch features ON/OFF and manage them in real-time through the AU 0101 Mobile Banking App.

What kind of rewards can I earn with the AU Bank LIT Credit Card?

The AU Bank LIT Credit Card offers base reward points (1 RP per ₹100) and customizable features for up to 10X rewards or 5% cashback.

Can I get lounge access with the AU Bank LIT Credit Card?

Yes, the AU Bank LIT Credit Card offers 1 complimentary domestic airport lounge access every quarter as a customizable paid feature.

What is the foreign currency markup on the AU Bank LIT Credit Card?

The AU Bank LIT Credit Card has a foreign currency markup of 3.49% on all international spends.

What are the charges for redeeming reward points from the AU Bank LIT Credit Card?

There is a rewards redemption fee of ₹99 + GST when redeeming reward points from the AU Bank LIT Credit Card.

What happens if I don't meet the spend criteria for membership benefits on my AU Bank LIT Credit Card?

Certain membership benefits on the AU Bank LIT Credit Card may incur penalties if the minimum spend threshold is not met within the feature period.

How does the fuel surcharge waiver work for the AU Bank LIT Credit Card?

The AU Bank LIT Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400-₹5,000, available as an opt-in paid feature.

Is there an auto-renewal for features selected on the AU Bank LIT Credit Card?

Yes, features on the AU Bank LIT Credit Card are set to auto-renew by default, but you can disable this option via the AU 0101 App.

AU Small Finance Bank

AU Bank LIT Credit Card

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Last updated: 16 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Not Applicable

Rewards Rate

Base rate of 1 RP for every ₹100 spent; up to 10X rewards or 5% cashback with opt-in features.

Reward Type

Reward Points and Cashback

Reward Redemption

Redeem for merchandise, flights, hotels, buses, movies, mobile/DTH recharge, golf, e-gift vouchers, or air miles.

Domestic Lounge Access

1 complimentary domestic lounge access per quarter (with paid feature of ₹399/90 days).

International Lounge Access

Not Applicable

Premium Benefits

Reward points can be redeemed for booking golf sessions across India.

Insurance Coverage

Not Applicable

Movie

ZEE5 3-month membership available; reward points can be redeemed for movie tickets.

Dining

Not Applicable

Travel Benefits

1 complimentary domestic lounge access quarterly (paid feature); redeem points for flights/hotels.

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Frequently Asked Questions

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