AU Bank has launched India’s first customizable credit card, the LIT credit card. This credit card offers you multiple rewards programs that you can pay for and activate as per your needs. This is a lifetime free credit card that offers 1% base reward points. If you want higher reward points for your shopping then you can just activate that offer from the AU bank app.

Key Features of LIT Credit Card

Joining Fee	Nil
Annual Fee	Nil
Best Use	Rewards, Cashback, Milestone benefits, Fuel, Airport Lounge access
Best Feature	Customizable reward feature option
Rewards	10X or 5X reward points on online and offline purchases(using POS machines)

How does the AU LIT Credit card work

This credit card is a bit different from other credit cards. This credit card has 16 reward features which you can turn on and off at your convenience. Once you activate a reward program from the app, it will be valid for 90 days. During this period you will be able to enjoy the benefits of that particular rewards program. 

The list of these reward features is as follows:

S. No.	Benefit	Fee
1	Airport Lounge Access (2 visits)	299
2	Airport Lounge Access (1 visit)	199
3	5% Additional Cashback (on retail spends)	299
4	2% Additional Cashback (on retail spends)	199
5	5x Reward Points on Online Transactions	199
6	10x Reward Points on Online Transactions	299
7	5% Cashback on Dining	299
8	10X Reward Points on Offline Transactions	299
9	5% Cashback on Clothes Shopping	199
10	5% Cashback on Grocery Shopping	199
11	3 Months Membership of cult.fit	499
12	Amazon Prime Membership for 3 Months	199
13	1% Fuel Surcharge Waiver	49
14	5% Cashback on Electronic Spends	299
15	5x Reward Points on Offline Spends	199
16	5% Cashback on Travel Spends	299

To put it simply you only pay for the feature which you want to use. The paid-for feature will be active for 90 days from the date of payment.

The purchased reward points will be in addition to 1% base reward program. 

 Before activating any feature be sure to read all the terms and conditions associated with it, which are easily available on the app.

Also Read: RBL bank Shoprite credit card Review

AU LIT Credit Card Benefits

Accelerated Reward Points

With AU LIT credit card your shopping becomes much more rewarding. You will get 10x or 5x reward points on all online domestic & international retail transactions. You will also get 10X or 5X Reward Points on all POS and contactless offline domestic & international transactions. 

Note:  Reward Points can be redeemed post-statement generation. Cash withdrawal, Fuel & EMI transactions will not be eligible for Program/Base Reward Points. Fuel, rent, & cash withdrawal transactions will not be eligible for Accelerated rewards i.e. 5X or 10X Reward Points

Cashback

AU LIT card offers you two exciting cashback programs.

10% Cashback 

• Earn 5% cashback on your retail purchases (minimum spending of  INR 7,500) three times within 90 days.
• You’ll get this bonus cashback on top of your regular 1 Reward Point per INR 100 spent and the base cashback rate.
• The maximum bonus cashback earned in a 30-day period is INR 500. This will be automatically adjusted against your credit card bill.

2% Cashback:

• Earn 2% cashback on your retail purchases (minimum INR 10,000) three times within 90 days.
• Similar to the 5% offer, you’ll get this bonus on top of your regular rewards.
• The maximum bonus cashback earned in a 30-day period is INR 1,000, also adjusted against your credit card bill.

1 Reward point = 0.25 Paisa

Note: Fuel, rent, and cash withdrawal transactions won’t count towards the cashback milestones.

So, start shopping and watch your cashback stack up! Remember, you have 90 days to claim these bonuses three times each.

Lounge Acess:

With the AU LIT credit card, you can purchase 2 lounge access plan for Rs. 299 and 1 lounge access plan for Rs. 199. Once purchased, the validity of this plan shall be for 90 days.

Also Read: IndusInd Bank Tiger credit card review: Premium lifetime free card

AU Bank LIT Credit Card: Lounge access list

The list of Airport Lounges within India applicable for AU Bank LIT Credit Card is as below:

Sr No	City	Lounge Name	Terminal	Lounge Type
1	Amritsar	Primus Lounge	Domestic	Domestic
2	Chandigarh	Cram Bar	Domestic Terminal	Domestic
3	Chandigarh	Cram Bar	International Terminal	International
4	Guwahati	Primus Lounge	Domestic	Domestic
5	Indore	Primus Lounge	Domestic	Domestic
6	Jaipur	Primus Lounge	Domestic	Domestic
7	Madurai	Primus Lounge	International	International
8	Vadodara	Premium Lounge	International	International
9	Mumbai – T2 (Arrival)	Aviserv Lounge	Terminal 2	International
10	Nagpur	Mandarin Lounge	Domestic	Domestic
11	Srinagar	Paahun The Executive Lounge	Terminal 1	International
12	Ahmedabad	The Lounge	Terminal 1	Domestic
13	Mumbai- T1B	Oasis Lounge	Terminal 1	Domestic
14	Lucknow	The Lounge	Terminal 2	Domestic
15	Bhubaneswar	Bird Lounge	Terminal 1	Domestic
16	Dehra Dun	Bird Lounge	Domestic	Domestic
17	Coimbatore	BlackBerry Restaurant & Bar	Domestic	Domestic
18	Goa	Good Times Bar (Lounge Alternate)	#N/A	Domestic
19	Kozhikode	Bird Lounge	Terminal 2	International
20	Nagpur	Plaza Premium Lounge	Domestic	Domestic
21	Trivandrum	Bird Lounge	Terminal 2	International
22	Kannur	Pearl Lounge	International	International Terminal
23	Pune	Earth Lounge	Terminal 1	Domestic
24	Chennai	Travel Club	Domestic Terminal	Domestic
25	Chennai	Travel Club	Domestic Terminal	Domestic
26	Kolkata	Travel Club	Terminal 1	Domestic
27	Kolkata	Travel Club Lounge Anex	Terminal 1	Domestic
28	Chandigarh	Plaza Premium Lounge	Domestic Terminal	Domestic
29	Hyderabad	Plaza Premium Lounge	Domestic	Domestic
30	New Delhi T1	Encalm Lounge	Terminal 1D	Domestic
31	Mumbai- T1C	Travel Club	Terminal 1	Domestic
32	New Delhi T2	Plaza Premium Lounge (Domestic Departures)	Terminal 2	Domestic
33	New Delhi T3 (Arrivals)	Plaza Premium Lounge (Domestic Arrivals)	Terminal 3	Domestic
34	New Delhi T3	Plaza Premium Lounge (Domestic Departures)	Terminal 3	Domestic
35	New Delhi T3 (Arrivals)	Plaza Premium Lounge (International Arrivals)	Terminal 3	International
36	Cochin	Earth Lounge	Terminal 1	Domestic
37	Amritsar	Plaza Premium Lounge	International Terminal	International
38	Bangalore	080 Domestic Lounge	Domestic Terminal	Domestic
39	Kannur	Pearl Lounge	Domestic	Domestic Terminal
40	Chandigarh	Plaza Premium Lounge	International Terminal	International
41	Ahmedabad	The Lounge	Terminal 2	International
42	Hyderabad	Plaza Premium Lounge	International	International
43	New Delhi T3	Plaza Premium Lounge (International Departures)	Terminal 3	International
44	Mumbai – T2 (Mals)	Travel Club	Terminal 2	International
45	Bangalore	080 International Lounge	International Terminal	International
46	Chennai	Travel Club	International Terminal	International
47	Chennai	Travel Club	International Terminal	International
48	Chennai	Travel Club	International Terminal	International
49	Kolkata	Travel Club	Terminal 2	International
50	Kolkata	Travel Club	Terminal 2	International
51	Cochin	Earth Lounge	Terminal 3	International
52	Mumbai – T2 (Loyalty Lounge)	Loyalty Lounge	Terminal 2	International

AU LIT Credit Card Fee and Charges

Charge	Fee/Rate
Joining Fee	Free
Annual Fee	Free
Annual Percentage Rate (APR)	43.08%
Add-on Card Fee	Free
Minimum Repayment Amount	5%
Cash Withdrawal Fee	2.50%
Cash Advance Limit	20%
Card Replacement Fee	₹ 100
Foreign Transaction Fee	3.49%
Over Limit Penalty	2.50%
Reward Point Redemtipn	₹ 99
Reward Point Value	₹ 0.25

Late payment charges

Outstanding Balance	Late Payment Charge
Below ₹ 100	Nil
₹100 to ₹500	₹ 100
₹500 to ₹5000	₹ 500
₹5000 to ₹10000	₹ 700
₹10000 to ₹20000	₹ 800
₹20000 to ₹50000	₹ 900
Above ₹50000	₹ 1100

How to apply for AU Bank LIT Credit Card?

There are two ways to apply for the LIT Credit Card: online and offline.

Online application

• Download the AU 0101 app on your phone.
• Log in and go to the credit card homepage and click on “Manage your credit card”.
• Check the price of each feature and choose as per your affordability.
• You can choose or modify your features as per your needs.
• You can also switch off your auto-renewal whenever you need it on your app.
• You can keep track of your spending and manage it on the AU 0101 app.

Offline application

• Visit the nearest AU Bank branch.
• Fill in the credit card application form and attach the documents required.

Conclusion

In conclusion, the AU Bank LIT Credit Card presents a unique offer for individuals seeking a highly customizable credit card experience. Its unique blend of personalized rewards, diverse benefits, and absence of an annual fee caters to a wide range of needs and lifestyles. The freedom to choose perks and programs aligned with individual spending patterns sets this card apart from traditional one-size-fits-all offerings.

However, a careful evaluation of associated fees and responsible credit usage remain crucial considerations before embracing this flexible financial tool. Overall, the AU Bank LIT Credit Card offers significant potential for value and convenience, solidifying its position as a noteworthy contender in the competitive credit card market.