About Card
AU BANK LIT Credit Card
The LIT credit card, India's first customizable card,issued by AU Bank. You can choose and modify the features you want to fit your lifestyle. Any categories can be added or removed whenever you like. The cardholder only needs to log in, choose the feature they wish to use for the next 90 days, and pay for it using the AU 0101 App. For every Rs. 100 spent on retail purchases, the card offers 1 reward point, and for features you choose, it offers 10x and 5x reward points. For individuals who enjoy travelling, the card also offers airport lounges access as well as rewards and premium memberships like Zee5, Amazon Prime, and others. Continue reading our articles below for more information about the LIT Credit Card.
Card
Joining Fee
Rewards
Best Suited For
NIL
Rewards Points | Cash back
Movies | Travel | Dining | Fuel | Shopping
What you'll love
- India’s First customizable Credit card.
- Using the card, select any feature you desire whenever you desire.
- 3 Months of Free Membership of Zee5, Amazon Prime and Cult.fit
- For every Rs. 100 spent on retail transactions, you will get 1 Reward Point.
- 10X or 5X accelerated Reward Points on all online and offline transactions.
- Surcharge waiver of 1% on all fuel transactions between Rs. 400 to Rs. 5,000.
- 5% and 2% cashback on retail spends on achieving the spend target.
- Additional 5% cashback for travel, dining and grocery expenses.
- 4 complimentary lounge access per quarter
Documents
Photo id: Pan Card, Addhar card, Passport, Voter id, Job Card issued by Nerega
Valid address Proof- Addhar card, Passport, Voter id card, House Registry documents,Utility bill not more than 2 months old
Income proof: Latest 2 month’s salary slip, latest form 16, and latest bank statement
Eligibility For AU LIT Card
For Salaried
Indian National
Age: Min 21 years & Max 60 Years,
Net Monthly Income> Rs 25,000For Self Employed
Indian National
Age: Min 21 yrs & Max 65 Yrs
Income: ITR > ₹5.0 Lakhs per annum
You'll also love
Rewards Benefit
- 1 Reward Point for every Rs. 100 spent on retail with the card.
- 10X/5X reward points on all online domestic & international retail transactions.
- 10X /5X reward points on all POS & Contactless offline domestic & international transactions.
Reward redemption
- Redeem Reward Points for exciting discounts and offers
Fuel Surcharge Waiver benefit
- Get a 1 % surcharge waiver on fuel at all stations in India for transaction amount 400 to 5000.
Fee Waiver benefit
- NA
Milestone benefit
- NA
Lounges access benefit
- 4 complimentary visits per quarter
Dining & Movie benefit
- 3 Months of complimentary Membership of Zee5, Amazon Prime and Additional 5% cashback for Dining expenses.
Why Should You Choose This Card?
The AU Small Finance Bank LIT Credit Card has been specifically created for those who want to receive all of the benefits of a credit card on a single card without having to pay exorbitant fees and other charges. The card has no joining fees, making it more appealing to customers. The card offers every perk that a typical card user would desire, including excellent reward points, a tonne of cashbacks, a waiver of fuel surcharges, access to lounges, and much more. Overall, AU Lit can be a fantastic option for you if you don’t want to spend a hefty annual fee and simply want to receive all benefits from one card.
Fees and Charges on the AU BANK LIT Credit Card
Fees & Charges
Amount/Rate
Joining Fees
NIL
Renewal Fees
NIL
Interest-free period
Up to 50 days
Cash Withdrawal Limit
30 % of the card limit
Foreign Exchange Markup
3.49% of the transaction amount
Finance Charges/Cash Advance Fee
2.50% of the amount
Over Limit Fee
2.50% of the amount
Late Payment Charges
For Amount
- Less than or equal to Rs 100- Nil
- From Rs. 100 to Rs. 500- Rs. 100
- From Rs. 500 to Rs. 5,000- Rs. 500
- From Rs. 5,001 to Rs. 10,000- Rs.700
- From Rs. 10,000 to -Rs 20,000 -Rs.800
- From Rs. 20,000 to Rs 50,000 – Rs .900
- Above Rs 50,000-Rs.1100
Payment Return Charges ( For Chq/Auto Pay)
Rs 350 Per instance
FAQs on AU BANK LIT Credit Card
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Can I Opt more than one feature in AU BANK LIT Credit Card?
Yes, you can choose any one or even more than one benefit, With the AU Small Finance Bank LIT Credit Card, each and every category has a set duration of 90 days or 3 months.
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What if I still have Complimentary lounge access left unused, can I carry forward forward for next month?
Your lounge access cannot be transferred, sorry. Every category has a set 90-day window during which you must use the benefit; if you don't, it will expire and become ineligible.
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When can I use my AU Small Finance Bank LIT Credit Card's earned reward points?
Following the generation of the statement, you can redeem the reward points obtained with the AU Small Finance Bank LIT Credit Card.
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On the AU Small Finance Bank LIT Credit Card, which categories are not eligible for cashback?
Categories such as fuel, rent, insurance, and cash withdrawal transactions are not eligible for cashback offers.
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How long are the memberships available with the AU Small Finance Bank LIT Credit Card valid?
AU Small Finance Bank LIT Credit Card offers free memberships for a period of 90days.
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Is there a welcome bonus with this card?
No, AU Small Finance Bank LIT Credit Card does not offer any welcome benefits.
Core Features
Get the Best Benefit with LIT credit Card
AU Bank has credit cards suiting everyone’s needs.You can compare and apply for an AU BANK credit card that best matches your spending preferences.
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