AU LIT Credit Card
★ 3.7 / 5 ⓘ How we rateIndia's first build-your-own credit card — lifetime free
✅ Verified Oct 2026 from AU Small Finance Bank's official terms →
✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026
Why people love it
People who want to pick and pay only for the perks they use
Key benefits
- Switch features on/off anytime in the AU 0101 app
- Add-on: 5% cashback on grocery and apparel (up to ₹500 each per month)
- Add-on: up to 10X reward points and milestone cashback
- Add-on: domestic lounge visits, Amazon Prime / ZEE5 subscriptions
- Fraud protection cover included
What's great
- No annual fee
- Pay only for what you use
- Flexible every 90 days
Good to know
- Base card has very few rewards
- Add-ons cost extra
- Needs planning to get value
Quick facts
How to apply
Keep these ready
- 🪪 PAN card
- 🆔 Aadhaar (for e-KYC / video KYC)
- 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
| Interest on unpaid bill | 3.75%/month (45% p.a.) |
| Foreign currency markup | 3.49% |
| Cash withdrawal fee | 2.5% |
| Late payment fee | ₹0 – ₹1,300 by bill amount |
- 1% fee on rent payments
- ₹99 reward redemption fee
- 18% GST applies on all fees
💡 Pay your full bill before the due date and you pay zero interest.
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❓ AU LIT — common questions
Is the AU LIT Credit Card lifetime free?
Yes. The AU LIT Credit Card has no joining fee and no annual fee.
What rewards does the AU LIT Credit Card give?
Up to 10X points / 5% cashback. Switch features on/off anytime in the AU 0101 app.
Who is eligible for the AU LIT Credit Card?
Minimum income: ₹3 lakh/year (salaried). Age: 21 – 60 years. Credit score: 720+. Final approval is decided by the bank.
Does the AU LIT Credit Card give airport lounge access?
Yes — Paid add-on (₹399 per 90 days).
What is the forex markup on the AU LIT Credit Card?
3.49% on foreign currency spends (plus GST).
Who should get the AU LIT Credit Card?
People who want to pick and pay only for the perks they use.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.