AU Bank LIT Credit Card
Mid Range Visa Lifetime Free

AU Bank LIT Credit Card

AU Small Finance Bank

★★★½☆ 3.9/5
Apply on Issuer Site →

Opens the issuer’s official application page.

Joining FeeFree / Lifetime Free
Annual FeeFree / Lifetime Free
Fee WaiverLifetime free
Forex Markup3.5% + GST
Lounge2 domestic lounge visits/quarter (with Lounge Access feature activated)

Welcome Benefit

None

Earn Rates

User selects active features: cashback OR reward points OR EMI offers — customisable monthly

Key Highlights

  • India's first customisable credit card — users choose which features to activate each month
  • Lifetime free with no conditions
  • Choose from: cashback (1.5%), reward points, EMI on spends, lounge access
  • Features can be changed monthly via the AU 0101 app

Lounge Access

2 domestic lounge visits/quarter (with Lounge Access feature activated)

Fuel Surcharge Waiver

1% waiver

Best For

  • Tech-forward users
  • Those wanting flexibility to switch between rewards and cashback
  • No-fee card seekers

Not Great For

  • Users wanting a fixed, predictable reward structure
Ready to apply for the AU Bank LIT Credit Card?

Apply directly on the issuer’s official site.

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Verified: Data last verified 17 June 2026. Sources: aubank.in

Frequently Asked Questions

How do I change features on the AU LIT card?

Log into the AU 0101 mobile app and navigate to your LIT card settings. You can toggle features on or off before the 1st of each month. Changes take effect from the 1st of the following month.

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