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AU LIT Credit Card

The AU LIT Credit Card is a customisable, lifetime-free card from AU Small Finance Bank that lets you switch benefits like rewards, cashback, and lounge access on or off through the AU 0101 app. You build a plan around only the features you use, paying just for what you activate. This makes it suited to 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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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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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 citizen of India.
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
Cash Advance Limit	20% of the credit limit
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 from AU Small Finance Bank is a lifetime-free, fully customisable card that lets you activate only the rewards, cashback, subscription, and lounge features you want to pay for. It suits shoppers and self-employed professionals aged 21 to 65 who prefer paying for benefits based on their own spending habits rather than a fixed annual fee. To build your card, download the AU 0101 app and apply for the AU LIT Credit Card today.

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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 like rewards, cashback, and lounge access on or off. LIT stands for 'Live It Today,' reflecting its build-your-own-card approach. You choose only the benefits relevant to your spending pattern.

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

LIT stands for 'Live It Today' on the AU LIT Credit Card. The name reflects the card's design, which lets cardholders build a card around benefits like travel, shopping, or entertainment. Customers can add or remove features as their spending needs change.

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

The AU LIT Credit Card lets you switch its features on or off at your convenience and track them through the AU 0101 app. You can choose a feature combination that fits your budget and change it as your lifestyle needs evolve. This flexibility is the card's core benefit.

4.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 at any time from within the app. The app also lets you track your rewards and cashback.

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

The AU LIT Credit Card offers features such as accelerated reward points, a fuel surcharge waiver, category cashback on apparel and grocery spends, milestone cashback, airport lounge access, and subscriptions like Amazon Prime and ZEE5. Each feature is priced separately and activated for a fixed period. You choose only the features relevant to your spending.

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

Every feature activated on the AU LIT Credit Card remains valid for 90 days from its activation date, split into three 30-day cycles. Features renew automatically at the end of this period unless you disable auto-renewal. You can manage this through the AU 0101 app.

7.Are AU LIT Credit Card features renewed automatically?

Yes, features on the AU LIT Credit Card renew automatically once their 90-day validity period ends, since auto-renewal is enabled by default. You can switch off auto-renewal for any feature through the AU 0101 app. Once disabled, that feature will not restart automatically.

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

Cashback earned on the AU LIT Credit Card is credited five days after the relevant 30-day cycle ends. Milestone-based cashback is credited only if you met the required spending within that cycle. You can track your cashback status through the AU 0101 app.

9.What are the fees for the AU LIT Credit Card?

The AU LIT Credit Card follows a pay-per-feature model, so you only pay for the individual features you choose to activate rather than a fixed card fee. The joining fee, annual fee, and feature pricing are listed in the fees and pricing tables above. This lets you control your card costs based on what you actually use.

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

Salaried applicants must be Indian citizens aged between 21 and 60 years to be eligible for the AU LIT Credit Card, while self-employed applicants must be between 25 and 65 years. Add-on cardholders must be at least 18 years old. Final approval of the application rests with AU Small Finance Bank.

11.Do I need to be an existing AU Small Finance Bank customer to apply?

No, you do not need to be an existing AU Small Finance Bank customer to apply for the AU LIT Credit Card. Both salaried and self-employed applicants who meet the age and citizenship criteria can apply. The bank's approval is still subject to its own assessment.

12.Can I add my children as add-on cardholders on the AU LIT Credit Card?

Yes, you can add your children as add-on cardholders on the AU LIT Credit Card once they are 18 years or older. Add-on cardholders can then use the benefits available on the primary card. The primary cardholder remains responsible for the account.

13.What should I do if I lose my AU LIT Credit Card?

If you lose your AU LIT Credit Card, you should report it immediately to AU Small Finance Bank's credit card customer care team so the card can be blocked. Reporting promptly also protects you under the card's credit shield cover for fraudulent transactions. You can find the customer care contact details on AU Small Finance Bank's official website.

14.How can I pay my AU LIT Credit Card bill?

You can pay your AU LIT Credit Card bill through the AU 0101 app or AU Small Finance Bank's net banking portal. Both channels let you select the bill amount and complete payment using your linked bank account. Offline payment by cheque or cash at an AU Small Finance Bank branch is also available.

15.Can I set up automatic payments for my AU LIT Credit Card bill?

Yes, the AU LIT Credit Card supports an AutoPay facility so your bill is paid automatically each cycle. This is available alongside the AU 0101 app and net banking payment options. Setting up AutoPay helps you avoid missing a payment due date.

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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