AU Bank LIT Credit Card
AU Bank AU Bank

AU Bank LIT Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: Nil

Renewal Fee: Nil

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

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The AU Small Finance Bank LIT Credit Card is India's first customizable credit card. Cardholders can customize this credit card according to their lifestyle and other benefits based on their needs and spending habits. This credit is lifetime-free and offers a variety of facilities. It has a base reward rate, but you can enhance these rewards, cashback, lounge access, and more through the AU 0101 App. it offers various benefits in the form of rewards, cashback, lounge access, and more through the AU 0101 App.

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All You Need To Know

Card Type

Rewards & Travel

Customizable Features
  • Flexibility: cardholders get to choose and pay only for the features they want, adjusting them as their needs change.
Reward Points Program
  • Base Rewards: Cardholders earn 1 Reward Point for every ₹100 spent on retail transactions.
  • Accelerated Rewards: You can also opt for 10X or 5X Reward Points on online and offline transactions by activating specific features.

    • Also remember that categories such as Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, EMI, Cash Withdrawal, Fuel, Fee, and Charges are excluded from the 10X Reward Points threshold.

Cashback Benefits
  • 5% Cashback: Avail this feature three times over a 90-day period on categories like travel, dining, groceries, electronics, and apparel, in addition to base rewards.
  • 2% Cashback: This feature is available three times over a 90-day period on retail spends, in addition to base rewards.
Lounge Access
  • Domestic Lounges: This card offers 4 complimentary airport lounge visits every 90 days within India.
Fuel Surcharge Waiver
  • For fuel transactions ranging from ₹400 to ₹5,000, this credit card offers a 1% waiver.
Zero Lost Card Liability
  • This card also protects you against fraudulent transactions up to ₹1,50,000 or your credit limit, whichever is lower, after reporting the loss in case of card loss.
Interest-Free Period
  • Cardholders also benefit from up to 50 days of interest-free credit on purchases.

AU LIT Credit Card Eligibility:

Eligibility Criteria of LIT Credit Card

  • Age: Applicants must be at least 21 years old.
  • Income: Even though the card does not have specific income criteria; applicants should contact AU Small Finance Bank for detailed requirements for elegiblity.

Documents Required For LIT Credit Card

When applying, you may need to provide the following documents:

  • Proof of Identity: PAN Card, Aadhaar Card, Passport, Voter ID, or Driver’s License.
  • Proof of Address: Utility bills (not older than 3 months), Aadhaar Card, Passport, or Rental Agreement.
  • Proof of Income:

    Salaried Applicants: Recent salary slips and Form 16.

    Self-employed Applicants:

    Latest Income Tax Returns and audited financial statements.

Note: AU Bank may request additional documents as per their internal policies.

Fees and charges that apply to AU LIT Credit Card:

Fee / Charge Amount/Rate
Annual Fee Nil
Joining Fee Nil
Finance Charges 3.49% per month (41.88% per annum)
Late Payment Charges - Up to ₹100: Nil- ₹100 to ₹500: ₹100- ₹501 to ₹5,000: ₹500- ₹5,001 to ₹10,000: ₹700- ₹10,001 to ₹20,000: ₹800- ₹20,001 to ₹50,000: ₹900- Above ₹50,000: ₹1,100
Foreign Currency Markup 3.49% on all foreign currency transactions.
Cash Advance Charges 2.5% of the transaction amount (subject to a minimum charge of ₹100)

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FAQs

The AU Bank LIT Credit Card is India's first customizable credit card. It allows cardholders to select and pay only for the features they desire, according to their lifestyle.

You can customize your AU Bank LIT Credit Card simply through the AU 0101 App. You can choose from various features like accelerated rewards, cashback offers, and lounge access, activating them as needed.

No, the card is lifetime-free with no joining or annual fees which makes it an excellent option for beginners.

With the AU Bank LIT Credit Card, you earn 1 Reward Point per ₹100 spent on retail transactions. It also provides you the option to earn accelerated points by activating specific features.

Yes, the AU Bank LIT Credit Card offers you 4 complimentary domestic airport lounge visits every 90 days by selecting the lounge access feature.

Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card:

Check if you are eligible for AU LIT Credit Card on
mybankingtips.com

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