AU Small Finance Bank, one of India’s fastest-growing financial institutions, has launched its LIT Credit Card, a unique offering that puts customization and control in the hands of cardholders.
Standing for “Live It Today”, the LIT Credit Card breaks away from the traditional “one-size-fits-all” model. Instead, it allows users to choose benefits, set durations, and pay only for what they actually use.
This digital-first innovation is designed for millennials and Gen Z users who value flexibility, transparency, and instant control over their finances.
The Indian credit card market has evolved rapidly in recent years, with younger consumers expecting more personalization and digital convenience. AU Bank’s LIT Credit Card is a direct response to this shift.
Unlike conventional cards that come with pre-packaged rewards and annual fees, LIT offers a modular benefits structure — where users can turn features on or off in real-time through the AU 0101 mobile app.
From choosing cashback categories to activating lounge access or reward multipliers, every feature is under the user’s control.
The highlight of the LIT Credit Card is the ability to personalize benefits based on lifestyle preferences.
Users can select from multiple options such as:
Once selected, users can activate a benefit for a fixed time period — typically 30 days — and pay a small activation fee only for that period.
For instance, if a user activates the “5% cashback on dining” benefit for a month, the fee is charged only for that period. After expiry, it can be renewed or changed instantly.
The AU LIT Credit Card is entirely managed through the AU 0101 app, allowing users to:
This approach gives complete transparency and flexibility, eliminating the confusion often associated with hidden fees or complicated reward structures.
Another attractive feature is the zero annual and renewal fee policy.
Since users pay only for the benefits they activate, there’s no need for a fixed yearly charge. This makes the LIT Card an excellent choice for students, young professionals, and first-time credit card users.
Depending on the benefits selected, users can earn:
Rewards are automatically credited and can be redeemed through AU Bank’s online portal or mobile app for vouchers, travel bookings, or statement credits.
LIT offers complimentary domestic airport lounge access based on activation.
This flexible model is ideal for occasional travelers who want lounge benefits only during their travel months, avoiding the cost of year-round premium cards.
AU Bank’s LIT Credit Card follows a subscription-style model.
Traditional credit cards often include fixed perks — many of which users never fully utilize. With LIT, customers activate benefits only when needed, keeping costs low and rewards relevant.
For example:
This system makes the card highly efficient, ensuring that users never pay for unused privileges.
The LIT Credit Card primarily targets:
This demographic prefers instant decisions, transparent charges, and app-based management — all of which LIT provides.
This innovation puts AU Bank ahead in India’s evolving credit card landscape, where personalization and flexibility are becoming the key differentiators.
Financial consultant Neha Deshmukh explains,
“AU Bank’s LIT Credit Card is a game-changer because it shifts power to the user. Traditional cards offer rewards you might never use. With LIT, you pay only for what benefits you need — it’s a modern, digital approach that perfectly fits the current generation’s mindset.”
She adds,
“It’s especially great for those who don’t want to commit to premium cards but still want the occasional travel or shopping perk. The flexibility is unmatched.”
| Feature | AU LIT Credit Card | HDFC Millennia Card | Axis Neo Credit Card |
|---|---|---|---|
|
Annual Fee |
₹0 |
₹1,000 |
₹250 |
|
Customizable Benefits |
Yes |
No |
No |
|
Cashback |
Up to 5% |
5% online |
2% |
|
Lounge Access |
Optional (on activation) |
4 per year |
None |
|
Fuel Surcharge Waiver |
1% |
1% |
1% |
|
Ideal For |
Custom users |
Online shoppers |
Beginners |
This table highlights how LIT’s modular structure provides unmatched flexibility compared to static reward systems offered by traditional cards.
The AU LIT Credit Card offers a 100% paperless onboarding experience.
Once approved, users receive a virtual card instantly, usable for online purchases and mobile wallets.
Key security features include:
The focus on digital transparency and security makes the LIT card particularly appealing in an age of increasing online transactions.
With the LIT Credit Card, AU Small Finance Bank has entered a niche segment that focuses on personalization through digital innovation.
While traditional players like HDFC and ICICI continue to dominate, AU Bank’s strategy is to attract the younger demographic that values simplicity and app-driven customization.
This could set a precedent for other banks to adopt modular benefit structures, much like subscription models in entertainment and e-commerce.
As consumer preferences continue shifting toward flexibility, AU Bank’s LIT could pave the way for the next generation of smart, self-managed credit cards.
You should consider the LIT card if:
For instance, a frequent online shopper might activate 5% cashback during festive seasons, while a business traveler might activate lounge access before trips — maximizing savings without wasting money.
The AU Bank LIT Credit Card is more than just a financial product — it’s a glimpse into the future of credit card innovation in India.
With its customizable features, zero fixed costs, and digital-first interface, it redefines how users interact with their credit cards. By offering freedom, transparency, and control, AU Bank has successfully built a product that resonates with today’s smart, tech-savvy, and value-driven consumers.
As credit card users increasingly look for personalized and flexible options, the LIT Card’s “pay for what you use” philosophy stands out as a refreshing alternative — making it one of the most progressive credit card launches in the Indian market today.