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 â‚¹100 with no annual fee.

AU Small Finance Bank Credit Cards

AU Small Finance Bank - High Reward Lifetime-Free Cards

Est.2017 (as SFB)HQJaipur, Rajasthan33 Cards Available

Browse All Cards

Total Cards

Avg. Joining Fee

₹936

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

The AU Bank LIT Credit Card is India's first customizable credit card, offering cardholders the unique freedom to select the features and benefits the...

Joining Fee:

Nil

Renewal Fee:

Nil

Reward Type:

Reward Points and Cashback

PremiumShoppingTravel

AU Zenith+ Credit Card

The AU Zenith+ Metal Credit Card is a premium offering for individuals seeking exclusive lifestyle privileges and tailored rewards. It's ideal for fre...

Joining Fee:

₹4,999 + GST

Renewal Fee:

₹4,999 + GST

Reward Type:

Reward Points

TravelPremiumShopping

AU Vetta Credit Card

The AU Vetta Credit Card is a premium lifestyle card offering accelerated reward points on grocery and departmental store spends. It provides extensiv...

Joining Fee:

₹2,999 + GST

Renewal Fee:

₹2,999 + GST

Reward Type:

Reward Points

ShoppingTravelPremium

AU Altura Credit Card

The AU Altura Credit Card is a cashback-focused card offering significant savings on daily spending. It provides cashback on groceries, utility bills,...

Joining Fee:

₹199 + GST

Renewal Fee:

₹199 + GST

Reward Type:

Cashback

ShoppingUtilitiesTravel

AU Altura Plus Credit Card

The AU Small Finance Bank Altura Plus Credit Card is an enhanced offering that provides substantial benefits for everyday spending. It features 1.5% c...

Joining Fee:

₹499 + GST

Renewal Fee:

₹499 + GST

Reward Type:

Reward Points and Cashback

Shopping

AU Zenith Credit Card

The AU Zenith Credit Card is a premium offering from AU Small Finance Bank, designed for high-spending individuals who prioritize travel, dining, and ...

Joining Fee:

₹7,999 + GST

Renewal Fee:

₹7,999 + GST

Reward Type:

Reward Points

TravelDiningInternational Spends

Eligibility Guide

Min. Income

â‚¹3 lakh p.a.

CIBIL Score

700+

Age Range

21-60 years

Eligibility for AU Bank Credit Cards

Age: 21-60 years
Income: â‚¹3 lakh p.a. (Altura); â‚¹6 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

The AU Zenith+ Metal Credit Card is a premium offering for individuals seeking exclusive lifestyle privileges and tailored rewards. It's ideal for fre...

Joining Fee:

₹4,999 + GST

Renewal Fee:

₹4,999 + GST

Reward Type:

Reward Points

TravelPremiumShopping

AU Altura Credit Card

The AU Altura Credit Card is a cashback-focused card offering significant savings on daily spending. It provides cashback on groceries, utility bills,...

Joining Fee:

₹199 + GST

Renewal Fee:

₹199 + GST

Reward Type:

Cashback

ShoppingUtilitiesTravel

AU Vetta Credit Card

The AU Vetta Credit Card is a premium lifestyle card offering accelerated reward points on grocery and departmental store spends. It provides extensiv...

Joining Fee:

₹2,999 + GST

Renewal Fee:

₹2,999 + GST

Reward Type:

Reward Points

ShoppingTravelPremium

AU Bank LIT Credit Card

The AU Bank LIT Credit Card is India's first customizable credit card, offering cardholders the unique freedom to select the features and benefits the...

Joining Fee:

Nil

Renewal Fee:

Nil

Reward Type:

Reward Points and Cashback

PremiumShoppingTravel

AU Nomo Credit Card

The AU Nomo Credit Card is a secured card, issued against a fixed deposit, ideal for building credit. It offers competitive reward points on retail, u...

Joining Fee:

₹199 + GST

Renewal Fee:

Nil

Reward Type:

Reward Points

ShoppingInternational SpendsUtilities

AU Altura Plus Credit Card

The AU Small Finance Bank Altura Plus Credit Card is an enhanced offering that provides substantial benefits for everyday spending. It features 1.5% c...

Joining Fee:

₹499 + GST

Renewal Fee:

₹499 + GST

Reward Type:

Reward Points and Cashback

Shopping

AU Spont Credit Card

The AU Spont Credit Card is a new offering from AU Bank, ideal for UPI and small payments. It provides a straightforward 1% cashback on various spends...

Joining Fee:

₹299 + GST

Renewal Fee:

₹299 + GST

Reward Type:

Cashback

ShoppingTravelUtilities

AU Bank Xcite Ace Credit Card

The AU Bank Xcite Ace Credit Card is a lifetime-free offering designed to provide enhanced benefits including attractive cashback rates of up to 3%. I...

Joining Fee:

Nil

Renewal Fee:

Nil

Reward Type:

Cashback

ShoppingTravelDining

AU Bank Xcite Ultra Credit Card

The AU Bank Xcite Ultra Credit Card is a premium, lifetime-free offering, ideal for those seeking strong reward points on online, offline, and interna...

Joining Fee:

Nil

Renewal Fee:

Nil

Reward Type:

Reward Points

TravelShoppingDining

Frequently Asked Questions

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