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AU LIT Credit Card

The AU LIT Credit Card is a customisable, lifetime-free credit card from AU Small Finance Bank that lets you switch rewards, cashback, subscriptions and lounge access on or off through the AU 0101 app. You pay only for the features you activate. It suits shoppers who want control over their card costs and perks.

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What is AU LIT Credit Card?

AU LIT Credit Card, where LIT stands for 'Live It Today', is a credit card especially designed for customers who are looking for cards with multiple benefits, such as travel, shopping, or entertainment. The card enables customers to fulfil specific requirements and add or change features according to the spending pattern.

Benefits of AU LIT Credit Card

Given below are the benefits of using the AU LIT Credit Card:

You can switch off or on the features of your card at your convenience.
You can manage and track the features of your credit card.
You can pick a price as per your budget.
You can change the features of your credit card as per your lifestyle requirements.

Features of AU LIT Credit Card

The features of AU LIT Credit Card are given below:

Category	Features
Shopper's Reward – 5X/10X Reward Points	10x and 5x reward points for all international and domestic retail transactions as well as for all the offline POS and contactless domestic and international transactions. In a statement cycle, cardholders can earn a maximum of 10,000 reward points. Base reward and accelerated rewards are not applicable on fuel, rent, cash withdrawal, education and government service transaction, Quasi cash and BBPS. Utility and insurance transactions will earn base rewards only on every Rs.100 spent.
Fuel Surcharge Waiver	Avail yourself of a 1% fuel surcharge waiver for transactions between Rs.400 and Rs.5,000.
Milestone Cashback	You can earn milestone cashback on retail shopping when using the AU LIT Credit Card: Earn 5% cashback three times over a period of three months. 5% cashback on retail spending apart from an additional 1 reward point for every Rs.100 spent. Spend a minimum of Rs.10,000 and earn a maximum cashback of Rs.500 over a period of 30 days. Earn 2% cashback three times over a period of three months. 2% cashback on retail spending apart from an additional 1 reward point for every Rs.100 spent. Milestone cashback is not applicable on cash withdrawal, Quasi Cash transactions, fuel, rent, and BBPS transactions.
Category Cashback	Apart from offering 1 Reward Point for every Rs.100 that is spent, 5% is provided as an additional cashback on apparel and grocery spends. Rs.500 will be the maximum cashback for every 30 days.
Airport Lounge Access	Up to 2 visits can be availed every 90 days.
Entertainment	Various entertainment benefits are provided.
Credit Shield	Up to Rs.1.5 lakh in case of any fraudulent transactions or loss of card once a report has been made.
Subscriptions	ZEE5 and Amazon Prime memberships for 3 months. Rs.10,000 must be spent within 90 days from the date the Amazon Prime membership has been activated to avoid penalties. Rs.5,000 must be spent within 90 days from the date the ZEE5 membership has been activated to avoid penalties.

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The 5% milestone cashback requires minimum retail spends of Rs.10,000, while the 2% milestone cashback requires minimum retail spends of Rs.15,000, within a 30-day cycle.

Steps to Build Your AU LIT Credit Card

Given below are the steps you will have to follow to build your AU LIT Credit Card:

Download the AU 0101 app on your phone.
Choose the feature.
Choose the pricing.
The features can be switched ON/OFF as per your choosing.
Customers can also keep track of rewards and cashback using the AU 0101 app.

Build Your AU LIT Credit Card - Pricing

The pricing that will be levied to avail different features of the AU LIT Credit Card are mentioned below:

Category	Pricing (90 days)	Features
Category Cashback	Rs.199	5% Cashback – Apparel Spends
Category Cashback	Rs.299	5% Cashback – Grocery Spends
Fuel Surcharge Waiver	Rs.49	1% Fuel Surcharge Waiver
Accelerated Reward Points	Rs.299	10X Reward Points (Offline Spends)
	Rs.199	5X Reward Points (Offline Spends)
	Rs.299	10X Reward Points (Online Spends)
	Rs.199	5X Reward Points (Online Spends)
Subscriptions	Rs.299	Amazon Prime (3 months)
Subscriptions	Rs.99	ZEE5 (3 months)
Milestone Cashback	Rs.199	2% Additional Cashback
Milestone Cashback	Rs.299	5% Additional Cashback
Lounge Access	Rs.399	1 free airport lounge access

Feature Period: Validity is for 90 days from the date the feature is activated.
Feature Cycle: Three cycles of 30 days each.
Auto-Renewal: Features will be auto-renewed unless the cardholder disables them.
Cashback: Cashback will be provided 5 days after the 30-day cycle has been completed.
Milestone Features: Cashback will be provided only if the required spends have been made within the 30-day cycle.
Penalty: Penalties will be levied in case the minimum spend has not been made.

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Disabling Auto-Renewal: You can disable auto-renewal of a feature from the LIT feature activation page in the AU 0101 app seven days after the date of feature activation. Once disabled, the feature will not renew after its 90-day period ends.

Gift Voucher: You can add a Rs.200 Amazon Pay e-gift voucher to your AU LIT Credit Card for Rs.50. You need to spend Rs.10,000 within 30 days to unlock the voucher, and a penalty is levied five days after the feature end date if the spend is not met.

Process to Avail Different Benefits

Airport Lounge Access

Open the AU 0101 App and complete the login process.
Choose ‘Manage Credit Card’.
Choose ‘Airport Lounge’.
Visit the Voucher page to generate the QR code.
Show the QR code.

Subscriptions

Open the AU 0101 App and complete the login process.
Choose ‘Manage Credit Card’.
Choose the voucher you wish to redeem.
Select ‘Redeem Voucher’.
The code must be entered to complete the process.

Cashbacks and Reward Points

Open the AU 0101 App and complete the login process.
Choose ‘Manage Credit Card’.
Select ‘Cashback/Reward Points’ feature.
Choose the benefit to see the different transactions that you are eligible for.
To redeem reward points for e-gift vouchers or products, select 'Reward Points', choose 'Redeem Now', and complete the redemption on the AU Rewardz portal that opens from within the AU 0101 app.

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Eligibility Criteria for AU LIT Credit Card

Given below are the eligibility criteria you will have to follow to apply for the AU LIT Credit Card:

Cardholder should be a resident Indian.
The primary cardholder must be aged between 21 years and 60 years for salaried individuals.
For self-employed individuals, the age of the cardholders must be between 25 to 65 years.
Add-on cardholders must be aged 18 years and above.

Note that the right to approve or decline the credit card application depends on the bank’s decision.

Fees and Charges for AU LIT Credit Card

The fees and charges related to the AU LIT Credit Card are mentioned in the table below:

Types of Fees or Charges	Amount
Joining Fee	Nil
Annual Fee	Nil
Charges on Revolving Credit	3.75% per month (45% p.a.)
Cash Advance Charges	2.50% of amount withdrawn, subject to a minimum of Rs.500
Charges on late payment	15% of the Total Amount Due, subject to a minimum of Rs.10 and a maximum of Rs.1,300 (GST applicable additionally)

Note: The interest rates are effective from 16 May 2026.

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Summary

The AU LIT Credit Card is a lifetime-free credit card from AU Small Finance Bank that lets you build your own mix of rewards, cashback, subscriptions and lounge access. You pay only for the features you activate and can switch them on or off through the AU 0101 app. Check the eligibility criteria and the pricing table, then apply for the AU LIT Credit Card on BankBazaar.

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FAQs on AU LIT Credit Card

1.What is the AU LIT Credit Card?

The AU LIT Credit Card is a customisable credit card from AU Small Finance Bank that lets you switch individual features on or off. LIT stands for 'Live It Today', reflecting its build-your-own-card approach. You choose only the benefits that suit your spending pattern.

2.What does LIT stand for in the AU LIT Credit Card?

LIT stands for 'Live It Today' in the AU LIT Credit Card. The name reflects a card designed around your own lifestyle, whether you spend more on travel, shopping or entertainment. You can add or change features as your spending changes.

3.What are the benefits of the AU LIT Credit Card?

The AU LIT Credit Card lets you switch features on or off, track them and choose a feature mix that fits your budget. You can change the features as your lifestyle needs change. This flexibility is the core benefit of the AU LIT Credit Card.

4.What features can I add to my AU LIT Credit Card?

The AU LIT Credit Card offers accelerated reward points, a fuel surcharge waiver, category and milestone cashback, airport lounge access and entertainment subscriptions. Each feature is priced separately, as listed in the pricing table above. You activate only the features that match your spending.

5.How do I build my AU LIT Credit Card?

You build your AU LIT Credit Card by downloading the AU 0101 app, choosing the features you want and selecting their pricing. Features can be switched on or off from the app as per the feature rules. The app also lets you track your rewards and cashback.

6.How does feature pricing work on the AU LIT Credit Card?

Each AU LIT Credit Card feature is priced separately for a fixed validity period, as shown in the pricing table above. You pay only for the features you activate, and the feature fee is billed through your card statement. Taxes are applicable as per the bank's terms.

7.How long do features stay active on the AU LIT Credit Card?

Every AU LIT Credit Card feature stays active for a fixed validity period from its activation date, divided into equal cycles. Spend conditions for milestone features are checked within each cycle. The pricing section above lists the current validity period and cycle length.

8.Are AU LIT Credit Card features renewed automatically?

Yes, AU LIT Credit Card features renew automatically at the end of their validity period unless you disable auto-renewal. You can switch off auto-renewal from the feature activation page in the AU 0101 app after the minimum period set by the bank. Once disabled, the feature does not renew after its current validity ends.

9.When is cashback credited on the AU LIT Credit Card?

AU LIT Credit Card cashback is credited shortly after the relevant feature cycle ends. Milestone cashback is credited only if you meet the required spends within that cycle. You can track your cashback through the AU 0101 app.

10.How do I use airport lounge access on the AU LIT Credit Card?

You use airport lounge access on the AU LIT Credit Card by opening the AU 0101 app, going to Manage Credit Card and generating the lounge voucher QR code. You then show the QR code at the lounge. Lounge access is available only if you have activated the lounge feature.

11.How do I redeem subscriptions on the AU LIT Credit Card?

You redeem AU LIT Credit Card subscriptions from the Manage Credit Card section of the AU 0101 app by choosing the voucher and redeeming it. You then enter the code to complete the process. Subscription benefits depend on meeting the spend condition mentioned for each membership.

12.How do I redeem reward points on the AU LIT Credit Card?

You redeem AU LIT Credit Card reward points through the Cashback/Reward Points option in the AU 0101 app. Choosing Redeem Now opens the rewards portal from within the app, where you can redeem points for e-gift vouchers or products. The benefit you choose shows the transactions that are eligible.

13.What happens if I do not meet the spend condition on an AU LIT Credit Card feature?

If you do not meet the minimum spend condition tied to an AU LIT Credit Card feature, a penalty is levied on your card account. Milestone cashback is also not credited for a cycle in which the required spends are not made. The features table above lists the spend conditions.

14.Who is eligible for the AU LIT Credit Card?

Resident Indians who meet the age criteria for salaried or self-employed applicants are eligible for the AU LIT Credit Card. Add-on cardholders must meet the minimum age mentioned in the eligibility section. AU Small Finance Bank reserves the right to approve or decline any application.

15.Can I add an add-on cardholder to my AU LIT Credit Card?

Yes, you can add an add-on cardholder to your AU LIT Credit Card if the person meets the minimum age criteria listed in the eligibility section. The primary cardholder remains responsible for the account. Approval remains subject to the bank's assessment.

About the Author

Karishma VP

Karishma VP has over a decade of experience in content writing which includes over five years specializing in personal finance. Her career in BankBazaar has given her the opportunity to write on a wide variety of financial products ranging from credit cards and home loans to insurance policies and government schemes. She believes that an understanding of personal finance is an important step to leading an independent, empowered life. This has led to her being passionate about learning more about the BFSI sector and writing about personal finance as clearly, concisely, and accurately as possible to make it accessible to a larger audience through BankBazaar.

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