AU Bank LIT
by AU Small Finance Bank · Data verified 2 days ago
Customizable credit card with category-based rewards (choose 3 categories for 3% cashback). Unique pick-your-reward model. Note: Transportation rewards removed from March 2026.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- Lifetime Free base credit card with zero joining and annual fees
- Full customization: Activate or deactivate reward multipliers, cashbacks, and lounge access as needed
- Earn up to 5% milestone cashback or 10X reward points on your chosen spend categories
- Optional domestic airport lounge access packs (up to 4 visits per quarter)
- Digital management via AU 0101 mobile banking app
Things to Consider
- Accelerated perks and lounge visits require purchasing modular 90-day feature packs
- Base reward rate is modest at 1 Reward Point per ₹100 (0.25% value) without active packs
- Fuel surcharge waiver requires activating the specific fuel feature pack
- Standard 3.5% foreign currency markup fee
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|
Domestic Lounges
4 per year
Fuel Savings
₹1,500/mo
Lost Card Cover
₹0
Dining
- •Optional 5X/10X Reward Points or 5% cashback on dining via modular feature packs on AU 0101 app
Shopping
- •India’s first customizable credit card: Switch on/off features for 90 days via AU 0101 app
- •Base reward rate: 1 Reward Point per ₹100 on retail spends
- •Accelerated 5X or 10X reward points packs available on apparel and grocery
- •Contactless tap-and-pay enabled for transactions up to ₹5,000
Travel
- •Customizable airport lounge access pack: Up to 4 domestic lounge visits per 90-day period (1 per month) via app
- •1% fuel surcharge waiver pack for transactions between ₹400 and ₹5,000
- •International usage enabled on Visa network
Special Offers & Features
- •Modular fee structure: Pay only for the features you use for 90-day validity cycles
- •Zero liability on lost card upon immediate reporting via AU 0101 app
EMI Options
- •EMI conversion on purchases above Rs.2,500
- •Tenure: 3, 6, 9, 12 months
- •Interest rate: 14-24% p.a.
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to AU Small Finance Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on AU Bank LIT
AU LIT Card — Up to 10X Rewards on Chosen Categories
Choose your own reward category and earn up to 10X reward points or 5% cashback on fitness, entertainment, and lifestyle categories with AU LIT Credit Card.
Permanent card feature. Applicable on AU LIT Credit Card only. Category selection required via app. Reward rate depends on chosen category.
MakeMyTrip
Explore India for less with AU Small Finance Bank and MakeMyTrip. Enjoy a flat 12% instant discount up to ₹1,800 on domestic flight bookings of ₹5,000 and above using code AUMMT.
Step 2: Choose domestic flight tickets totaling ₹5,000 or more.
Step 3: In the coupon code section, enter promo code AUMMT.
Step 4: Pay using your AU Small Finance Bank Credit Card to get an instant 12% discount up to ₹1,800.
Valid on domestic flight bookings across India on MakeMyTrip platforms. Minimum booking amount is ₹5,000. Maximum instant discount is capped at ₹1,800. Valid once per cardholder per calendar month.
Zomato
Feast on your favorite dishes at home. AU Bank credit cardholders get a flat 20% instant discount up to ₹150 on Zomato food delivery orders of ₹499 and above with coupon AUBANK.
Step 2: Add food items worth ₹499 or more to your cart.
Step 3: On the checkout screen, enter promo code AUBANK.
Step 4: Complete your payment with an AU Small Finance Bank Credit Card to get 20% off up to ₹150.
Valid on food delivery orders placed through the Zomato mobile app. Minimum cart value of ₹499 is required. Maximum discount is capped at ₹150. Valid once per customer per week.
BookMyShow
Catch the latest movies on the big screen with AU Bank. Get a complimentary second cinema ticket on BookMyShow up to ₹200 with your AU Small Finance Bank Credit Card.
Step 2: Go to the payment page and click on 'Unlock Offers or Apply Promocodes'.
Step 3: Select 'Credit Card' and choose 'AU Small Finance Bank BOGO Offer'.
Step 4: Enter your AU Credit Card details to receive 100% off on the second ticket up to ₹200.
Valid on purchase of minimum 2 cinema tickets. Discount of 100% on the second ticket up to ₹200. Internet handling fees are payable by customer. Valid once per cardholder per calendar month.
Swiggy
Enjoy delicious meals with 15% instant savings up to ₹100 on Swiggy using your AU Small Finance Bank Credit Card with promo code AU100.
Step 2: Enter promo code AU100 on checkout.
Step 3: Pay with AU Small Finance Bank Credit Card to get flat 15% instant savings up to ₹100.
Valid on minimum spend of ₹499. Maximum discount ₹100 per transaction. Valid once per cardholder per month.
Croma
Save up to ₹3,000 on high-end electronics and appliances at Croma with AU Small Finance Bank Credit Cards.
Step 2: Ensure transaction value is ₹20,000 or above.
Step 3: Settle payment using AU Small Finance Bank Credit Card.
Valid on minimum transaction of ₹20,000. Maximum discount ₹3,000. Valid on eligible credit cards.
EaseMyTrip
Travel smarter with flat 12% instant discount up to ₹2,000 on flight bookings on EaseMyTrip using AU Bank credit cards with coupon EMTAU.
Step 2: Apply coupon code EMTAU on payment screen.
Step 3: Pay with AU Small Finance Bank Credit Card.
Valid on minimum booking of ₹5,000. Maximum discount ₹2,000. Valid once per card per month.
Frequently Asked Questions
Everything you need to know about AU Bank LIT
- • Min age: 21 years
- • Salaried: ₹25,000/month min
- • Self-employed: ₹50,000/month min
- • CIBIL: 680+ recommended
- ✓ Domestic: 4 per year
- → 1 complimentary domestic airport lounge access per calendar quarter (up to 4 per year) when the airport lounge feature is activated via AU 0101 app
- → Customizable on-demand feature bundles managed dynamically through AU 0101 mobile banking
- • Instant: Pre-approved AU Small Finance Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for AU Bank LIT today and unlock amazing rewards and premium experiences.
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