How does the AU LIT card's customisation work?

The AU LIT card allows you to choose add-on benefit packs (OTT subscriptions, lounge access, dining privileges, golf rounds) and pay only for the ones you activate. Benefits are activated monthly and can be changed each cycle. The base card earns 1 RP per ₹100 with no annual fee.

AU Small Finance Bank Credit Cards

AU Small Finance Bank – High Reward Lifetime-Free Cards

Est.2017 (as SFB)HQJaipur, Rajasthan16 Cards Available

Browse All Cards

Total Cards

Avg. Joining Fee

₹1,081

About This Bank

AU Bank Credit Cards — 2026 Overview

AU Small Finance Bank's credit card portfolio punches above its weight — offering features like customisable benefits (LIT card), high reward earn rates, and lifetime-free options that rival established banks.

Portfolio Highlights

LIT (Lifestyle, Interests, Tastes): A first-of-its-kind customisable card — choose and pay for only the features you want (OTT subscriptions, lounge access, golf, dining). Earn up to 7X on selected categories.

Zenith+: AU's flagship premium card with 10X on dining and luxury brands, complimentary lounge access, and milestone-based benefits.

Vetta and Altura: Mid-tier lifestyle and cashback cards with competitive reward rates.

Featured AU Small Finance Bank Cards

AU Bank LIT Credit Card

Joining Fee:

Nil

Renewal Fee:

Nil

Rewards Type:

Reward Points and Cashback

PremiumShoppingTravel

AU Zenith+ Credit Card

Joining Fee:

₹4,999 + GST

Renewal Fee:

₹4,999 + GST

Rewards Type:

Reward Points

TravelPremiumShopping

AU Vetta Credit Card

Joining Fee:

₹2,999 + GST

Renewal Fee:

₹2,999 + GST

Rewards Type:

Reward Points

ShoppingTravelPremium

AU Altura Credit Card

Joining Fee:

₹199 + GST

Renewal Fee:

₹199 + GST

Rewards Type:

Cashback

ShoppingUtilitiesTravel

AU Altura Plus Credit Card

Joining Fee:

₹499 + GST

Renewal Fee:

₹499 + GST

Rewards Type:

Reward Points and Cashback

Shopping

AU Zenith Credit Card

Joining Fee:

₹7,999 + GST

Renewal Fee:

₹7,999 + GST

Rewards Type:

Reward Points

TravelInternational SpendsDining

Eligibility Guide

Min. Income

₹3 lakh p.a.

CIBIL Score

700+

Age Range

21–60 years

Eligibility for AU Bank Credit Cards

Age: 21–60 years
Income: ₹3 lakh p.a. (Altura); ₹6 lakh+ (Zenith+)
Credit Score: 700+ recommended
Employment: Salaried or self-employed

Applications via the AU Bank mobile app or official website. AU Bank accepts applications from non-AU Bank customers as well.

All AU Small Finance Bank Credit Cards

AU Zenith+ Credit Card

Joining Fee:

₹4,999 + GST

Renewal Fee:

₹4,999 + GST

Rewards Type:

Reward Points

TravelPremiumShopping

AU Altura Credit Card

Joining Fee:

₹199 + GST

Renewal Fee:

₹199 + GST

Rewards Type:

Cashback

ShoppingUtilitiesTravel

AU Zenith Credit Card

Joining Fee:

₹7,999 + GST

Renewal Fee:

₹7,999 + GST

Rewards Type:

Reward Points

TravelInternational SpendsDining

AU Vetta Credit Card

Joining Fee:

₹2,999 + GST

Renewal Fee:

₹2,999 + GST

Rewards Type:

Reward Points

ShoppingTravelPremium

AU Bank LIT Credit Card

Joining Fee:

Nil

Renewal Fee:

Nil

Rewards Type:

Reward Points and Cashback

PremiumShoppingTravel

AU Nomo Credit Card

Joining Fee:

₹199 + GST

Renewal Fee:

Nil

Rewards Type:

Reward Points

ShoppingInternational SpendsUtilities

AU Altura Plus Credit Card

Joining Fee:

₹499 + GST

Renewal Fee:

₹499 + GST

Rewards Type:

Reward Points and Cashback

Shopping

AU Spont Credit Card

Joining Fee:

₹299 + GST

Renewal Fee:

₹299 + GST

Rewards Type:

Cashback

ShoppingTravelUtilities

ixigo AU Credit Card

Joining Fee:

Nil

Renewal Fee:

Nil

Rewards Type:

Reward Points

TravelInternational Spends

Frequently Asked Questions

Clear, concise answers to help you understand this card better.