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Credit Cards · India

AU Bank LIT Credit Card

Updated 3 Jul 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 10 pts per ₹100 (≈2.2% value) on toggle reward booster spends in the form of reward points (points).

Cardholders get 1 quarterly domestic airport lounge access.

AU Small Finance Bank logo
AU Bank LIT Credit Card
Visa logo
  • Joining FeeFree
  • Annual FeeFree
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • 10 pts per ₹100 on toggle reward booster
  • Base 0.22% on other spends
Welcome Benefits
  • Not applicable
Data verified 3 Jul 2026 — see our methodology
AU Small Finance Bank logoAUVisa logosignaturemidLifetime free
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Rewards and Benefits

Rewards Rate
10 pts per ₹100 on toggle reward booster
Base 0.22% 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.

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.2% = ₹33/mo
  • Groceries₹8,000 · 0.2% = ₹18/mo
  • Dining & food delivery₹8,000 · 0.2% = ₹18/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.2% = ₹22/mo
  • Utilities & bills₹5,000 · 0.2% = ₹11/mo
Est.net rewards for this spend, realistic
₹1,214/yr

₹1,214 rewards − ₹0 annual fee. Estimate for the spend you entered.

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).
Cons
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 10 pts per ₹100 on toggle reward booster
    User-activated reward-booster feature: up to 10X Reward Points on online & offline spends; plus 5% and 2% cashback category features. Feature fees Rs 49-199/quarter, billed in-app.
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

Last verified 3 Jul 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.
Tagslifetime freecustomisablelow forexmid tier