AU Bank credit card
AU Bank LIT Credit Card
India’s 1st customizable credit card – you pick your benefits every month
Credofly overview
Is AU Bank LIT Credit Card right for you?
AU LIT is a revolution in how credit cards work in India. You don’t just receive a fixed benefit — you choose what matters to you. With no annual fee and complete flexibility, it’s a great card for lifestyle users, young professionals, and those who want full control of how they earn.
You choose benefit packs based on your lifestyle from AU 5X, cashback, travel, lounge, and OTT packs — fully customizable each month.
What it costs
Fees & charges
Earning & redeeming
Rewards, made clear
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1 Reward Point per ₹100 on all eligible spends
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Extra benefits based on selected packs
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5X Rewards, 5% cashback, or free lounge/OTT — choose each month
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Unused packs don’t cost anything
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No fixed annual fee — pay only for packs you activate
How you can redeem
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Redeem AU Reward Points via AU 0101 app
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Convert to cashback or vouchers
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1 RP = ₹0.25 to ₹0.35 based on redemption option
EMI Transactions, Utilities, Insurance, Wallet, Rent, Education, Government Spends, and Tax Payments
<p>No rewards on excluded categories such as rent, wallet loads, government payments, education, and insurance. Check AU T&Cs monthly for any updates.</p>Beyond rewards
Benefits that matter
Welcome offer
No fixed welcome offer — but you get ₹0 joining fee + immediate benefit activation options
Milestone benefits
None. All benefits are pack-based and user-activated.
Renewal benefits
Not applicable — card has no annual renewal fee
Card benefits
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Customize card benefits monthly via app
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Choose from:
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5X Rewards on Dining, Travel, or Shopping
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5% Cashback Pack
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OTT & Lifestyle Subscriptions
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Domestic Lounge Access (2 visits/month)
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No annual fee
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No compulsion to activate packs — activate when needed
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Instant virtual card on approval
Lifestyle & travel
lounge domestic
Our independent take
Credofly review
While most credit cards lock you into fixed rewards, AU LIT breaks that pattern. You can activate travel perks one month, OTT offers the next, and lounge access when flying. It’s not for heavy reward hackers, but it’s a brilliant, mobile-first card with no annual fee and transparent controls. The only catch — benefit packs come at a small price, so choose wisely based on your needs.
AU LIT is one of India’s most refreshing credit cards. With no fixed fee, total control over monthly benefits, and a slick app-based experience, it’s the ideal card for users who want flexibility and simplicity. It’s especially good for first-time users, salaried professionals, and anyone tired of wasting annual fees on features they never use.
Why we like it
No other card gives you this level of flexibility. You control what rewards you want and only pay for benefits you’ll actually use. Plus, the app experience is excellent.
Strengths
- <p>Customizable benefits each month — 5X, Cashback, OTT, Lounge</p>
- <p>No joining or annual fee — pay only for activated packs</p>
- <p>Instant virtual card + app control via AU 0101</p>
Watch-outs
- <p>Pack activation charges can add up if not tracked</p>
- <p>No standard rewards like airport lounge or fuel unless activated</p>
- <p>Redemption value of reward points is moderate (~₹0.25–₹0.35)</p>
Before you apply
Eligibility & application
Eligibility
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Age: 21–60 years
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Must be an Indian resident
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Valid PAN and Aadhaar
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CIBIL score above 700 preferred
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Available in select cities
How to apply
Apply online in 2 minutes via Credofly:
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Submit PAN & Aadhaar
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Do instant KYC in AU 0101 app
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Card approved and issued instantly
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Virtual card ready for use; physical card arrives in 5–7 days
Your questions answered
FAQs
What makes the AU LIT Credit Card unique?
It’s fully customizable. You choose the rewards, cashback, OTT, or travel benefits monthly via app.
Is there a joining or annual fee?
No. The card is lifetime free. You only pay for the packs you activate.
How much do the benefit packs cost?
Usually between ₹49–₹199/month depending on the pack and usage.
What’s the base reward structure?
You earn 1 Reward Point per ₹100 spent across all eligible transactions.
Can I use it internationally?
Yes. It works globally. Forex markup is 3.5%.
Are lounge visits free?
Yes, 2 complimentary domestic visits/month are available if you activate the Lounge Pack.
Can I deactivate a pack after using?
Yes. Packs can be turned on/off monthly — giving you full control.
Who is this card best suited for?
First-time users, smart spenders, digital natives, and those who like flexibility over fixed features.
From cardholders
User reviews
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