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.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 680+ whose spend is concentrated in dining, online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: Paid add-on feature: ₹399 per lounge visit (not complimentary), max 2 visits per 90-day period
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate (capped ₹500/monthly)
- ✈️ Travel
Complimentary domestic lounge access (min. ₹20,000 spend in preceding quarter)
- 🛍️ Shopping
5% reward rate (capped ₹500/monthly)
- 🌍 Forex / international spend
3.49% forex markup on international transactions
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Rewards redemption fee: ₹99 + GST per redemption request
- Foreign currency markup: 3.49%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: Fuel surcharge waiver is not applicable on the LIT credit card
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
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
Best for
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