AU LIT Credit Card
AU Small Finance Bank
Last updated: Feb 03, 2026
₹0
₹0
3.49%
8 visits/yr
Contents
AU LIT Credit Card is India’s first fully customisable, lifetime free credit card designed for online shoppers and young professionals. You start with a simple base card and then add only the benefits you actually use – like higher rewards, cashback, lounges or OTT memberships. Features run in 90-day packs, so you can switch them on or off from the AU 0101 app depending on your lifestyle. This makes AU LIT ideal if you want maximum value and flexibility without paying heavy annual fees.
Features of AU LIT Credit Card which makes it unique
Fully Customisable Features
Select benefits like extra rewards, cashback, lounges and memberships in 90-day packs.
Pay only for the features you actually use.
More flexible than most fixed-benefit lifetime free credit cards.
App-First Card Management
Manage every aspect of the card from the AU 0101 app, including feature packs and limits.
Complete control over fees, features and security from your phone.
Designed for digital-first users who prefer app-based control.
Rewards Structure of AU LIT Credit Card
Base Rewards
baseAll eligible domestic and international card spends
Base rewards stay active even when no paid feature pack is selected.
Shopping Rewards Booster
baseOnline and offline shopping spends when Shopping Rewards pack is active
Choose 5X or 10X points packs based on your shopping pattern.
Category Cashback
baseSelected categories like groceries, apparel and dining with Category Cashback pack
You can pick one or more categories and change them every 90 days.
Milestone Cashback
baseMonthly retail spends above the pack-specific milestone amount
Milestone cashback is over and above base reward points.
Milestones of AU LIT Credit Card
Monthly Cashback Milestone
₹7,500 in a 30-day cycle : 5% milestone cashback on eligible retail spends (up to pack limit)
High Spender Milestone
₹25,000 in a 30-day cycle : Bonus Reward Points credited at the end of the cycle
Fees & Charges of AU LIT Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.49% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹800 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Lifetime free base card; you only pay for optional feature packs you switch on.
Fee Explanation AU LIT is a lifetime free credit card. Standard finance charges, late payment fees and forex mark-up apply as per AU Small Finance Bank’s schedule of charges.
Detailed Explanation of AU LIT Credit Card Fees
Annual Fee: ₹0 (yearly)
Lifetime free base card; no joining or renewal fee.
Feature Pack Fee: Varies by pack (every 90 days)
Shopping, cashback, lounge and membership packs are charged separately per 90-day cycle.
Cash Advance Fee: 2.5% (min ₹100) (per transaction)
Interest applies from the transaction date until repayment.
Late Payment Fee: Up to ₹800 (per statement cycle)
Slab-based late fee depending on total amount due.
Forex Mark-up: 3.49% of transaction (per international transaction)
Applicable on all foreign currency transactions made on the card.
Lounge Access Benefits with AU LIT Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Up to 2 complimentary domestic airport lounge visits per quarter when relevant lounge pack is active.
Insurance Coverage with AU LIT Credit Card
Credit Card Liability Cover
₹1,50,000Protects against unauthorised transactions from the time of loss reporting as per AU Small Finance Bank terms.
Purchase Protection
₹50,000Covers eligible purchases against damage or theft for a limited period, subject to policy terms.
Additional Features of AU LIT Credit Card
Contactless Payments
Tap-and-pay enabled for quick contactless transactions
Per-transaction limits and RBI guidelines apply.
Smart EMI
Convert eligible transactions to EMIs directly from the AU 0101 app
Minimum transaction amount and interest rate as per bank policy.
Spend Controls
Enable or disable online, ATM, POS and international usage in real time
Available through AU 0101 mobile app and net banking.
Welcome Bonus with AU LIT Credit Card
Welcome Bonus: Reward Points on your first 3 months card spends
Bonus Conditions: Bonus points apply when you activate at least one paid feature pack within 30 days of card setup.
Application Process for AU LIT Credit Card
Processing Time
3–5 working days after final approval
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Visit the AU Small Finance Bank website or download the AU 0101 app.
Check your eligibility and start the AU LIT Credit Card application.
Fill in personal, contact and income details and upload KYC documents.
Review available feature packs and select the ones that fit your lifestyle.
Complete digital verification; upon approval, the card is dispatched and visible in the AU 0101 app.
Required Documents for AU LIT Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
AU LIT Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at merchants that support Visa credit cards.
International Acceptance
Accepted globally at Visa-enabled outlets and online merchants.
Online Acceptance
Supported on most major Indian and international e-commerce websites.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for AU LIT Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Final approval is subject to AU Small Finance Bank’s internal credit policy, satisfactory KYC, and a stable income profile.
How Approval Is Decided
- Minimum age 21 years for salaried and 25 years for self-employed at the time of application.
- Indian resident with a stable income and valid PAN and Aadhaar.
- Satisfactory credit score and overall credit profile as per AU Small Finance Bank policy.
Pros of AU LIT Credit Card
- Lifetime free base credit card with no compulsory annual fee.
- Highly customisable benefits that can be switched on or off in minutes.
- Attractive accelerated rewards and cashback on selected categories.
- Domestic airport lounge access available through optional lounge packs.
Cons of AU LIT Credit Card
- Forex mark-up is on the higher side compared to premium travel cards.
- Best value requires actively managing feature packs every 90 days.
- Benefits can feel complex for users who prefer simple, fixed-benefit cards.
Frequently Asked Questions about AU LIT Credit Card
Is AU LIT Credit Card really lifetime free?
Yes, the base AU LIT Credit Card has no joining fee and no annual or renewal fee. You only pay for the optional feature packs you choose.
How do the customisable feature packs work on AU LIT?
Feature packs for shopping rewards, cashback, lounge access and memberships run for 90 days at a time. You can switch them on or off in the AU 0101 app depending on how you plan to spend.
What rewards can I earn with AU LIT Credit Card?
You earn base Reward Points on all eligible spends, and you can boost value with packs that offer up to 10X points, 5% category cashback and milestone cashback on monthly spends.
Does AU LIT Credit Card offer airport lounge access?
Yes, AU LIT can offer domestic airport lounge visits when you activate the relevant lounge access pack. Visits are limited per quarter as defined in the pack details.
What is the forex mark-up on AU LIT Credit Card?
Foreign currency transactions on AU LIT usually attract a forex mark-up of around 3.49% of the transaction value, plus applicable taxes.
How can I apply for AU LIT Credit Card?
You can apply online via the AU Small Finance Bank website or download the AU 0101 app, check your eligibility and complete a fully digital application with KYC.
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