Affiliate Disclosure: We may earn a commission when you apply for a card through our links, at no extra cost to you. Learn more
Mid Range Visa Lifetime Free

AU Bank LIT Credit Card

AU Small Finance Bank · Visa

★★★½☆ 3.9/5
Joining Fee Free / Lifetime Free
Annual Fee Free / Lifetime Free
Fee Waiver Lifetime free
Forex Markup 3.5% + GST
Lounge Access 2 domestic lounge visits/quarter (with Lounge Access feature activated)

Ready to apply?

Visit the issuer's official website to apply.

Apply on Issuer Website →

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
Verified: Data last verified 17 June 2026. Sources: www.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.

Comments

Comments are coming soon — we're setting up our community platform. Have a question? Get in touch.

Related Cards in Mid Range

mid range

SBI Card Cashback

SBI Card · Visa

★★★★½ 4.5/5
Annual Fee ₹999
Joining Fee ₹999
Forex Markup 3.5% + GST

Earn Rate: 5% cashback on all online transactions; 1% on offline

  • Best flat-rate online cashback card in India — 5% with NO merchant restrictions
  • Cashback auto-credited to card statement — no redemption needed
  • No cap on 5% cashback per month
Full Review → Apply via issuer website
mid range

Axis Bank ACE Credit Card

Axis Bank · Visa

★★★★☆ 4.2/5
Annual Fee ₹499
Joining Fee ₹499
Forex Markup 3.5% + GST

Earn Rate: 5% cashback on bill payments & recharges via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% others

  • Best card for utility bill payments and recharges in India — 5% cashback
  • Cashback auto-credited — no redemption hassle
  • Strong 4% on Swiggy, Zomato, and Ola
Full Review → Apply via issuer website
mid range

HDFC Bank Millennia

HDFC Bank · Visa

★★★★☆ 4.1/5
Annual Fee ₹1,000
Joining Fee ₹1,000
Forex Markup 3.5% + GST

Earn Rate: 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow; 1% on other spends

  • Best entry-level card for online shopping
  • 5% cashback is paid as CashPoints, redeemable against statement balance
  • No minimum transaction for 5% cashback (unlike some cards)
Full Review → Apply via issuer website