AU LIT Credit Card
Earn rewards and benefits with AU LIT Credit Card.
Beginner & Zero Fee Fit Score
94/100
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
1 – 10
1 pts/₹100 · ₹0.25/pt
Forex Markup
3.49%
Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.
CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
25/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
AU LIT Credit Card Benefits
AU LIT Credit Card Rewards
How you earn back on every swipe
hybrid
Reward type
1% – 10%
Earn rate
1
Points / ₹100
₹0.25
Per point
24 months
Point expiry
₹500
Monthly cap
AU LIT Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
AU LIT Credit Card has no joining fee and no annual fee.
Card Features
🎉 Zero Annual Fee — 100% Net Profit
AU LIT Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
AU LIT Credit Card FAQs
What is the annual fee for AU LIT Credit Card?
The annual fee for AU LIT Credit Card is nil (no annual fee).
What is the joining fee for AU LIT Credit Card?
The one-time joining fee for AU LIT Credit Card is nil (no joining fee).
What are the rewards and benefits of AU LIT Credit Card?
AU LIT Credit Card earns hybrid rewards. Reward rate ranges from 1% to 10%. You earn 1 points per ₹100 spent.
What welcome and milestone benefits does the AU LIT Credit Card offer?
Reward Points can be redeemed for vouchers, merchandise, travel, and other options.
How do you earn rewards with the AU LIT Credit Card?
Choose cashback packs offering up to 5% cashback on select categories. Earn 1 Reward Point per ₹100 on eligible retail spends (when no cashback pack is active).
What discounts and extra perks come with the AU LIT Credit Card?
Lifetime free credit card (no joining fee or annual fee).
AU LIT Credit Card Eligibility
To apply for AU LIT Credit Card you need to be aged 21 to 65.
Employment type
Pros & Cons
- Lifetime free with no renewal fee
- Highly customizable benefits
- Choose only the features you need each month
- Can be more cost-effective than fixed-benefit cards
- Flexible cashback and travel options
- Good app-based card management
- Suitable for users with changing spending patterns
- No long-term commitment to paid benefits
- Most premium benefits require paid monthly packs
- Default rewards are relatively modest
- No complimentary lounge access unless a relevant pack is activated
- Forex benefits require purchasing a travel pack
- Cashback and rewards depend on the selected pack
- Value can diminish if packs are not optimized
- Reward exclusions apply to categories like rent, fuel, wallet loads, and government payments
- Less suitable for users who prefer fixed, all-inclusive card benefits
Quick Links
Data last updated 10 Oct 2026
Popular Comparisons for AU LIT Credit Card
Direct side-by-side MITC term matchups
Calculate your exact earnings with AU LIT Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
See CardCheck in your Google Search & AI results
Add as a preferred source to get our credit card updates first.