AU LIT (Live It Today) Credit Card is India’s first customizable credit card that lets you pick and switch features to match your lifestyle. It comes with no annual fee and offers higher rewards on both online and offline spending. You also get benefits like bonus cashback, lounge access, and more. However, while the card itself is free for life, you’ll need to pay for any features you choose to activate based on your spending preferences.
AU LIT Credit Card is a lifetime-free card that lets you choose benefits based on your lifestyle and spending. You can log in to the AU 0101 app and pick features for 90 days. However, you’ll need to pay a quarterly fee between Rs. 49 and Rs. 499 depending on the benefits you select.
Earn 10X or 5X points on all online retail transactions (domestic & international)
Earn 10X or 5X points on all POS & contactless offline transactions (domestic & international)
Get 1 point per Rs. 100 on utility bills (max 100 points per transaction)
Get 1 point per Rs. 100 on other spends like insurance
Max 25,000 reward points per billing cycle (excluding utility spends)
1 reward point = Re. 0.25 (redeem via rewards catalogue)
Other Features and Benefits
ounge Access
Get up to 4 complimentary domestic lounge visits per quarter, based on your plan:
₹199 plan: 1 visit per quarter (max 4 per year)
₹299 plan: 2 visits per quarter (max 4 per year)
Fuel Surcharge Waiver
1% waiver on fuel transactions between ₹400 and ₹5,000
Available at ₹49 per quarter
Milestone Cashback
5% Cashback Plan:
Earn 5% cashback 3 times over 3 months
Plus, 1 reward point per ₹100 spent
Spend ₹10,000 to earn up to ₹500 cashback in 30 days
2% Cashback Plan:
Earn 2% cashback 3 times over 3 months
Plus, 1 reward point per ₹100 spent
Spend ₹15,000 to earn up to ₹1,000 cashback in 30 days
Cashback not applicable on fuel, cash withdrawal, BBPS, rent, or quasi-cash transactions
Category Cashback
5% cashback on apparel and grocery spends
Plus, 1 reward point per ₹100 spent
Max cashback: ₹500 per 30 days
Entertainment Benefits
Enjoy exclusive offers on movies and other entertainment
Credit Shield
Coverage up to ₹1.5 lakh for fraudulent transactions or card loss (post-reporting)
Subscriptions
3-month ZEE5 and Amazon Prime memberships
Spend ₹10,000 within 90 days of Prime activation
Spend ₹5,000 within 90 days of ZEE5 activation
Avoid penalties by meeting spend conditions
Fees and Charges
Types of Fees or Charges
Amount
Joining Fee
Nil
Annual Fee
Nil
Cash Advance Limit
20% of the credit limit
Charges on Revolving Credit
3.49% per month (41.88% annually)
Cash Advance Charges
2.50% of amount withdrawn, which is subject to a minimum of Rs.100
Charges on late payment
Less than or equal to Rs.100: Nil
Above Rs.100 and up to Rs.500: Rs.100
Above Rs.500 and up to Rs.5,000: Rs.500
Above Rs.5,000 and up to Rs.10,000: Rs.700
Above Rs.10,000 and up to Rs.20,000: Rs.800
Things to Know Before you apply
Get this card if:
You prefer a credit card with customizable features to match your lifestyle and spending habits
You want to maximize savings through extra cashback plus reward points on your purchases
You frequently spend on daily essentials like groceries, dining, and more — and want to earn cashback on them
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For AU Bank LIT Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
AU Bank LIT Credit Card Hilights
What do we like about this card?
Lifetime free credit card
Get up to 10X reward points on online & offline spends
Complimentary Amazon Prime, ZEE5 & Cult Fit (based on feature chosen)
Up to 4 free domestic lounge visits per quarter (based on plan)
1% fuel surcharge waiver on spends of ₹400–₹5,000 (with ₹49 quarterly plan)
1 reward point = ₹0.25 (redeemable via rewards catalogue)
Maximum 25,000 reward points per billing cycle (excluding utility spends)
Pros
Customizable features tailored to your lifestyle 5% cashback on essential daily spending categories Complimentary memberships: Amazon Prime, ZEE5, and Cult Fit Accelerated reward points on both online and offline purchases
Cons
No rewards on fuel or EMI transactions Complex pricing tied to individual feature selection Penalty charges if spending milestones aren’t met Basic reward rate is low at 0.25% per ₹100 spent
Au Bank Credit Card Contact Details
Contact Address: AU Small Finance Bank Ltd., Head Office: 5th Floor, Metro Plaza, New Sanganer Road, Mansarovar, Jaipur – 302020, Rajasthan, India
AU Small Finance Bank
Airport Lounge Access
Cashback
Lifetime free
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