AU Small Finance Bank
AU LIT Credit Card
Your rating
Community rating
Best for customizable rewards, cashback seekers, lounge and OTT feature users
Joining Fee
Free
Annual Fee
Free
Reward Rate
1% – 10%
Forex Markup
3.49%
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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
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 charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
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
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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AU LIT Credit Card Eligibility
Age21+ yrs – 65
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
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Data last updated 7 Jul 2026