AU Bank LIT Credit Card
India’s 1st customizable credit card – you pick your benefits every month
Network: Visa | Type: Rewards | Reward: Reward Points
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Fees & Charges
- Joining Fee: ₹0
- Annual Fee: ₹0
- Waiver: Not applicable — No fixed fee
- Foreign Markup: 3.5% + GST
- Fuel Surcharge: 1% waiver available via Fuel Pack (₹49/month)
- Redemption Fee: ₹0
- Late Payment Fee: ₹99 – ₹1,300 depending on due amount
- Interest Rate: 3.6% per month (43.2% p.a.)
- Cash Advance: 2.5% or ₹500 (whichever is higher)
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.
Rewards & Earnings
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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
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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
Benefits
- Welcome:
No fixed welcome offer — but you get ₹0 joining fee + immediate benefit activation options
- Milestone:
None. All benefits are pack-based and user-activated.
- Renewal:
Not applicable — card has no annual renewal fee
- Lifestyle:
lounge domestic
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.
Pros & Cons
✅ Pros
Customizable benefits each month — 5X, Cashback, OTT, Lounge
No joining or annual fee — pay only for activated packs
Instant virtual card + app control via AU 0101
❌ Cons
Pack activation charges can add up if not tracked
No standard rewards like airport lounge or fuel unless activated
Redemption value of reward points is moderate (~₹0.25–₹0.35)
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
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.
User Reviews
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