AU Bank LIT Credit Card: India’s 1st customizable credit card, Apply Now!

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 FeeNil
Annual FeeNil
Best UseRewards, Cashback, Milestone benefits, Fuel, Airport Lounge access
Best FeatureCustomizable reward feature option
Rewards10X 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.BenefitFee
1Airport Lounge Access (2 visits)299
2Airport Lounge Access (1 visit)199
35% Additional Cashback (on retail spends)299
42% Additional Cashback (on retail spends)199
55x Reward Points on Online Transactions199
610x Reward Points on Online Transactions299
75% Cashback on Dining299
810X Reward Points on Offline Transactions299
95% Cashback on Clothes Shopping199
105% Cashback on Grocery Shopping199
113 Months Membership of cult.fit499
12Amazon Prime Membership for 3 Months199
131% Fuel Surcharge Waiver49
145% Cashback on Electronic Spends299
155x Reward Points on Offline Spends199
165% Cashback on Travel Spends299

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


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 NoCityLounge NameTerminalLounge Type
1AmritsarPrimus LoungeDomesticDomestic
2ChandigarhCram BarDomestic TerminalDomestic
3ChandigarhCram BarInternational TerminalInternational
4GuwahatiPrimus LoungeDomesticDomestic
5IndorePrimus LoungeDomesticDomestic
6JaipurPrimus LoungeDomesticDomestic
7MaduraiPrimus LoungeInternationalInternational
8VadodaraPremium LoungeInternationalInternational
9Mumbai – T2 (Arrival)Aviserv LoungeTerminal 2International
10NagpurMandarin LoungeDomesticDomestic
11SrinagarPaahun The Executive LoungeTerminal 1International
12AhmedabadThe LoungeTerminal 1Domestic
13Mumbai- T1BOasis LoungeTerminal 1Domestic
14LucknowThe LoungeTerminal 2Domestic
15BhubaneswarBird LoungeTerminal 1Domestic
16Dehra DunBird LoungeDomesticDomestic
17CoimbatoreBlackBerry Restaurant & BarDomesticDomestic
18GoaGood Times Bar (Lounge Alternate)#N/ADomestic
19KozhikodeBird LoungeTerminal 2International
20NagpurPlaza Premium LoungeDomesticDomestic
21TrivandrumBird LoungeTerminal 2International
22KannurPearl LoungeInternationalInternational Terminal
23PuneEarth LoungeTerminal 1Domestic
24ChennaiTravel ClubDomestic TerminalDomestic
25ChennaiTravel ClubDomestic TerminalDomestic
26KolkataTravel ClubTerminal 1Domestic
27KolkataTravel Club Lounge AnexTerminal 1Domestic
28ChandigarhPlaza Premium LoungeDomestic TerminalDomestic
29HyderabadPlaza Premium LoungeDomesticDomestic
30New Delhi T1Encalm LoungeTerminal 1DDomestic
31Mumbai- T1CTravel ClubTerminal 1Domestic
32New Delhi T2Plaza Premium Lounge (Domestic Departures)Terminal 2Domestic
33New Delhi T3 (Arrivals)Plaza Premium Lounge (Domestic Arrivals)Terminal 3Domestic
34New Delhi T3Plaza Premium Lounge (Domestic Departures)Terminal 3Domestic
35New Delhi T3 (Arrivals)Plaza Premium Lounge (International Arrivals)Terminal 3International
36CochinEarth LoungeTerminal 1Domestic
37AmritsarPlaza Premium LoungeInternational TerminalInternational
38Bangalore080 Domestic LoungeDomestic TerminalDomestic
39KannurPearl LoungeDomesticDomestic Terminal
40ChandigarhPlaza Premium LoungeInternational TerminalInternational
41AhmedabadThe LoungeTerminal 2International
42HyderabadPlaza Premium LoungeInternationalInternational
43New Delhi T3Plaza Premium Lounge (International Departures)Terminal 3International
44Mumbai – T2 (Mals)Travel ClubTerminal 2International
45Bangalore080 International LoungeInternational TerminalInternational
46ChennaiTravel ClubInternational TerminalInternational
47ChennaiTravel ClubInternational TerminalInternational
48ChennaiTravel ClubInternational TerminalInternational
49KolkataTravel ClubTerminal 2International
50KolkataTravel ClubTerminal 2International
51CochinEarth LoungeTerminal 3International
52Mumbai – T2 (Loyalty Lounge)Loyalty LoungeTerminal 2International

AU LIT Credit Card Fee and Charges

Joining FeeFree
Annual FeeFree
Annual Percentage Rate (APR)43.08%
Add-on Card FeeFree
Minimum Repayment Amount5%
Cash Withdrawal Fee2.50%
Cash Advance Limit20%
Card Replacement Fee₹ 100
Foreign Transaction Fee3.49%
Over Limit Penalty2.50%
Reward Point Redemtipn₹ 99
Reward Point Value₹ 0.25

Late payment charges

Outstanding BalanceLate Payment Charge
Below ₹ 100Nil
₹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.


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.

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