About AU LIT Credit Card
AU LIT Credit Card is a lifetime free credit card that lets you customize benefits based on your lifestyle and spending habits. As an AU credit card, it allows you to choose features through the AU 0101 app for a period of 90 days. However, you need to pay a quarterly fee ranging from ₹49 to ₹399 depending on the benefits selected.
This rewards credit card offers up to 10X reward points on online and offline spends, along with up to 5% cashback on everyday categories like groceries and apparel. It also includes benefits like ZEE5 and Amazon Prime memberships, lounge access, and other basic perks.
While the card provides flexibility, its “lifetime free” tag can be confusing due to the quarterly fee. Also, the reward and cashback structure can be complex, making it slightly difficult for users to maximize benefits across categories.
Also Read: Best Credit Cards in India 2026
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.
AU LIT Credit Card Rewards Program
Reward Benefits
- Earn 5 reward points per ₹100 on online spends with ₹199 plan (90 days)
- Earn 5 reward points per ₹100 on offline spends with ₹199 plan (90 days)
- Earn 10 reward points per ₹100 on online spends with ₹299 plan (90 days)
- Earn 10 reward points per ₹100 on offline spends with ₹299 plan (90 days)
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Cashback Benefits
- Get 5% cashback on grocery spends (up to ₹500 in 30 days) with ₹299 plan
- Get 5% cashback on apparel spends (up to ₹500 in 30 days) with ₹199 plan
Also Read: Best Cashback Credit Cards in India
Other Features and Benefits
Lounge Access
- Get 1 complimentary airport lounge visit at ₹399 (max 2 visits in 90 days)
Milestone Benefits
- Earn 5% extra cashback (up to ₹500) on ₹10,000 spends with ₹299 plan (30 days)
- Earn 2% extra cashback (up to ₹1,000) on ₹15,000 spends with ₹199 plan (30 days)
Also Read: Best Milestone Benefits Credit Cards
OTT Benefits
- Get 3 months ZEE5 membership at ₹99 for 90 days
- Enjoy 3 months Amazon Prime membership at ₹299 for 90 days
Also Read: Best Brand Benefits Credit Cards in India
Fuel Benefit
- Get 1% fuel surcharge waiver on spends between ₹400–₹5,000 with ₹49 plan (90 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
|
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Document Required For AU 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
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
AU LIT Credit Card Highlights
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)
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
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
- Helpline:1800 1200 1500 (Toll-Free, 24x7), creditcard.support@aubank.in
- Simply SMS: SMS ZENITH to 5676766 to get a callback or apply
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Frequently Asked Questions
You can pay your bill via AU 0101 app, AU 0101 net banking, or the AutoPay facility.
Yes, you can visit the nearest AU Small Finance Bank branch and pay by cash or cheque.
Yes, log into the app or net banking portal, navigate to ‘Credit Card’ → ‘Pay Bill’ → ‘Redeem’, enter the amount, and follow the prompts.
Yes, if they are 18 years or older, they can be added as add-on cardholders.
No, both salaried and self-employed Indian citizens aged 18 to 60/65 can apply without being AU Bank customers.
Call 1800 1200 1500 (toll-free) or 0141-7141100 (non-toll free) immediately to report card loss.
Yes, any cashback earned will be adjusted against your card’s outstanding balance.
Cashback will be credited five days after the 30-day cycle ends.
