AU LIT Credit Card review
AU Small Finance Bank · Visa · points Official sources Checked 30 Oct 2026
At a glance
- Annual fee
- ₹0
- Joining fee
- ₹0
- Fee waiver
- Not needed (no annual fee)
- Base return
- 0.25% base
- Point value
- ₹0.25 per point
- Domestic lounge
- None found
- International lounge
- None found
Estimated net value a year
| Profile | Net | % of spend |
|---|---|---|
| First card, light spender ₹15k a month | ₹444 | 0.3% |
| Metro salaried ₹60k a month | ₹1,680 | 0.2% |
| Family household ₹80k a month | ₹2,160 | 0.2% |
| Frequent flyer ₹1.5L a month | ₹4,350 | 0.2% |
| Online shopper ₹50k a month | ₹1,500 | 0.3% |
| Rent-heavy ₹90k a month | ₹1,680 | 0.2% |
Fee maths: There is no annual fee to recover, so value depends only on how much of your spend lands in rewarded categories. On our 6 profiles it nets from ₹444 (first card, light spender) to ₹4,350 (frequent flyer), equal to 0.2% to 0.3% of spend across the profiles.
After fees and caps, best-case redemption. Use your own spend.
Our take: Lifetime free, but the higher rates are paid add-ons, not features of the card: the base rate is 1 point per ₹100 (about 0.25% at ₹0.25 a point), and the 5X and 10X rates need a pack of ₹199 to ₹399 per 90 days. By our arithmetic the ₹299 pack that gives 10X online adds about ₹2.25 per ₹100 over the base rate, so it pays for itself only above roughly ₹13,300 of online spend per 90 days. A domestic lounge visit costs ₹399 per 90 days. We model the card without packs.
From the card's terms: strengths
- No annual fee
- Up to about 5% at partner merchants, subject to caps
From the card's terms: limits
- Base return is only about 0.25% on other spends
Reward rates and caps
| Spend category | Points per ₹100 | Value per ₹100 | Cap | Notes |
|---|---|---|---|---|
| Everything else | 1 | ₹0.25 | 10000 pts monthly | Base 1 RP per ₹100 retail spend (official T&C), RP ~₹0.25; excludes cash, BBPS, EMI, fuel, EV charging, rent, education/govt (0 RP); utilities/telecom 1 RP (max 100 RP/txn); max 10,000 RP per statement cycle |
| Groceries | 20 | ₹5 | 2000 pts monthly | 5% cashback on groceries ONLY with paid pack (₹299 per 90 days, toggled in AU 0101 app). Cap per 30 days: ₹1,000 (product guide) vs ₹500 (T&C) - conflict; ₹500 used (2,000 pts-equivalent) |
| Other online shopping | 10 | ₹2.5 | 10000 pts monthly | 10X online (=10 RP/₹100 incl. base, ~2.5%) ONLY with paid pack (₹299 per 90 days; 5X is ₹199). Max 10,000 RP per statement cycle |
| Fuel, Rent | 0 | ₹0 | No cap found | Fuel, EV charging, rent earn 0 RP (official T&C) |
Point value: Approx ₹0.25 per reward point (aggregator); redemption details unverified
Excluded or reduced
- cash withdrawal / quasi-cash
- BBPS
- EMI
- fuel (incl. EV charging)
- rent
- education and government (listed MCCs)
- fuel surcharge waiver not on LIT per Schedule of Charges (30 Sep 2026)
Other benefits
- Renewal: Lifetime free
- Customisable paid packs (90-day, auto-renew): lounge ₹399/visit, 5%/2% milestone cashback ₹299/199 (caps ₹500/1,000 per 30 days; min spend ₹7,500/10,000), ZEE5 ₹99, Amazon Prime 3m ₹299, fuel surcharge waiver ₹49 (guide; SoC says N/A), 5% apparel ₹199
- Forex 3.49% (official Schedule of Charges)
Eligibility
Resident Indian; salaried 21-60, self-employed 25-65 (indicative); add-on over 18 not confirmed in an issuer document: check the application page
Where it ranks
Compare
Related guides
- How to read a credit card MITC
- Fuel surcharge waivers explained
- Forex markup and using a card abroad
- How reward points work and what they are worth
- Credit card devaluations and what to do
FAQ
What is the annual fee of the AU LIT Credit Card?
No annual fee. Fees exclude 18% GST.
How do AU LIT Credit Card rewards work?
0.25% base, 5% at partners, capped. Approx ₹0.25 per reward point (aggregator); redemption details unverified
Does the AU LIT Credit Card give airport lounge access?
We did not find lounge access on this card in the sources we checked.
Who is the AU LIT Credit Card best suited to?
Lifetime free, but the higher rates are paid add-ons, not features of the card: the base rate is 1 point per ₹100 (about 0.25% at ₹0.25 a point), and the 5X and 10X rates need a pack of ₹199 to ₹399 per 90 days. By our arithmetic the ₹299 pack that gives 10X online adds about ₹2.25 per ₹100 over the base rate, so it pays for itself only above roughly ₹13,300 of online spend per 90 days. A domestic lounge visit costs ₹399 per 90 days. We model the card without packs. There is no annual fee to recover, so value depends only on how much of your spend lands in rewarded categories. On our 6 profiles it nets from ₹444 (first card, light spender) to ₹4,350 (frequent flyer), equal to 0.2% to 0.3% of spend across the profiles.
Sources
- CardAdvisor banks/au-small-finance-bank-credit-cards aggregator fetched 2026-10-29
- AU Bank LIT blog official fetched 2026-10-30
- AU Credit Card Schedule of Charges / KFS (updated 30 Sep 2026) official fetched 2026-10-30
- AU Bank LIT Credit Card page official fetched 2026-10-30
- AU LIT product guide (pack prices) official fetched 2026-10-30
- AU LIT Terms and Conditions official fetched 2026-10-30
Not financial advice. Figures are estimates from published terms and may be outdated; confirm with AU Small Finance Bank before you apply. Methodology.
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