AU Bank LIT Credit Card
Updated 15 Apr 2026Source-linked
The AU Bank LIT Credit Card is a mid credit card from AU Small Finance Bank, with a joining fee of ₹0 + GST.
It earns up to 5% back on toggle 5x merchant bundle spends in the form of reward points (points).
Cardholders get 1 quarterly domestic airport lounge access.
AU Bank LIT Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForEveryday spends
- Reward TypeReward Points (points)
Rewards Rate
- 5% on toggle 5x merchant bundle
- Base 0.25% on other spends
Welcome Benefits
- Not applicable
AUsignaturemidLifetime freeRewards and Benefits
Rewards Rate
5% on toggle 5x merchant bundle
Base 0.25% on other spends.
Reward Redemption
AU Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
1 visit each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- Customisable feature menu — In-app menu of togglable features (accelerated rewards, extra lounges, insurance add-ons, fuel-surcharge boost) activated per statement cycle for a fee.
- Low forex markup — Sub-1% forex markup is a standout for this tier.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.99%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹100 per monthly.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- mid card issued by AU Small Finance Bank.
- Lifetime free — no joining or annual fee.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (1/quarterly).
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
- Low forex markup of 0.99% — suited to international spends.
- Complimentary domestic airport lounge access (1/quarterly).
- Accelerated earn rate of 5% on toggle 5x merchant bundle.
Cons
- No rewards on fuel spends.
Accelerated rewards
- 5% on toggle 5x merchant bundleUser-activated 5X feature across a curated merchant bundle; activation fee billed separately.
Capping rules
- Accelerated rates only active when the corresponding LIT feature is toggled on for the cycle.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- emi
Airport lounge access
Domestic
1 visit(s) / quarterly. Via visa.
Base feature; additional visits unlockable via toggleable LIT feature for a fee.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹100 per monthly.
Other benefits
- Customisable feature menu. In-app menu of togglable features (accelerated rewards, extra lounges, insurance add-ons, fuel-surcharge boost) activated per statement cycle for a fee.
- Low forex markup. Sub-1% forex markup is a standout for this tier.
Sources
- : www.aubank.in · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 700+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.