AU Small Finance Bank
AU Bank LIT Credit Card
Annual Fee
Lifetime FreeBase Reward
1% points
Foreign Markup
3.49%
Product Highlights
- India’s First customizable Credit card.
- Choose whichever feature you want and whenever you want with the card.
- 3 Months of Free Membership of Zee5 and Amazon Prime.
- 10X or 5X accelerated Reward Points on all online and offline transactions.
Category Rewards
entertainment
1 Reward Point/₹100 Spent
1 pts/₹100
travel
5% Cashback
5X
dining
5% Cashback
5X
grocery
5% Cashback
5X
Reward Calculator
Earns ₹750/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
3K
AU Reward Points
₹750
via standard · ₹0.25/pt
Effective rate
0.25%
Annual fee
FREE
Year 1 net
+₹750
Year 2+ net
+₹750
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
cash advance, bbps, emi, fuel, rent, education, government
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
1 Reward Point for every ₹100 spent on retail. 10X or 5X accelerated Reward Points on selected features. 5% cashback on travel, dining, and grocery expenses.
- Redeem Reward Points for exciting discounts and offers.
Benefits & Features
Domestic: 1 Complimentary Airport Lounge Access Every Quarter (Paid Feature) 1 complimentary lounge access per quarter.
Pros & Cons
Pros
- Lifetime Free Annual Fee
- 1 Reward Point for every ₹100 spent
- 10X or 5X accelerated Reward Points on selected features
- 5% cashback on travel, dining, and grocery expenses
Cons
- Cashback and rewards are only applicable on paid features
- Limited complimentary lounge access
Additional Info
Maximum cashback of ₹500 per month for 5% Additional Cashback.
Excluded Categories
Partner Merchants
Ready to apply?
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Fees & Charges
Eligibility
Min Age
21 yrs
Networks