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.

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AU Small Finance Bank

AU LIT Credit Card

Name: AU LIT Credit Card
Brand: AU Small Finance Bank
Availability: InStock

Earn rewards and benefits with AU LIT Credit Card.

Regular

CardCheck ScoreVery Good

Top Category Performance

Beginner & Zero Fee (94/100)

Best for: customizable rewards, cashback seekers, lounge and OTT feature users

Joining Fee

Free

Annual Fee

Free

Reward Rate (%)

1 – 10

1 pts/₹100 · ₹0.25/pt

Forex Markup

3.49%

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(0)

Your Rating

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.

Very GoodScore / 100

Reward Power

35/35

Fee Value & ROI

25/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category

Zero Fee & Starter

94/100

Online Shopping

84/100

Cashback Spends

75/100

Dining & Food

70/100

Scoring 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

Lifetime free credit card (no joining fee or annual fee)

Customize benefits by activating paid monthly feature packs through the AU 0101 app

Choose cashback packs offering up to 5% cashback on select categories

Choose features like airport lounge access (up to 2 visits per 90 days) and OTT subscriptions (Amazon Prime/ZEE5)

Choose lifestyle packs with dining, entertainment, and shopping privileges

Earn 1 Reward Point per ₹100 on eligible retail spends (when no cashback pack is active)

Reward Points can be redeemed for vouchers, merchandise, travel, and other options

Contactless Visa credit card with digital card controls via the AU 0101 app

Switch or cancel feature packs every billing cycle based on your spending needs

AU LIT Credit Card Rewards

How you earn back on every swipe

Point Formula: 1 pts / ₹100 spent · 1 pt = ₹0.25

0.25% Base Return

hybrid

Reward type

1% – 10%

Earn rate

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).

Joining feeFree

Annual feeFree

Interest rate (APR)45%

Late payment fee (max)₹1,100

Cash advance fee2.5% (min ₹500)

Over-limit fee2.5%

Forex markup3.49%

Fuel surcharge waiverYes (₹400–₹5000)

Card Features

Metal Card

Contactless

UPI Linked

Lifetime Free

🎉 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.

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AU LIT Credit Card Eligibility

Age21+ yrs – 65

CIBIL scoreCardCheck Estimate

700+

Employment type

SalariedSelf employed

Pros & Cons

Pros

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

Cons

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