All cards / AU Small Finance Bank
AU Bank LIT Credit Card
Lifetime-free with a fully customizable app-first model letting users switch bonus categories on/off — listed here with its dining/online defaults.
Rates and fees last verified 19 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Reward rates by category
- Dining5% (capped ₹500/monthly)
- Online shopping5% (capped ₹500/monthly)
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- Complimentary domestic lounge access (min. ₹20,000 spend in preceding quarter)
Pros
- + Lifetime free
- + User-selectable bonus categories via app
- + UPI-friendly RuPay network
Cons
- − Effective rewards depend on actively managing category choices
- − Modest caps
Applying takes you to AU Small Finance Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.