AU LIT Credit Card
Card Details
Card Details
- Issuer
- AU Small Finance Bank
- Card type
- Entry-level
- Joining fee
- Nil
- Annual fee
- Nil
- Rewards currency
- Reward Points
Highlights
Highlights
- Lifetime free base card
- Base earn: 1 RP/₹100
- Paid features unlock 5X/10X rewards, cashbacks and lounge access
Welcome, annual & renewal benefits
Welcome, annual & renewal benefits
- Joining/Annual Fee: Nil (Lifetime Free).
- Paid add-ons are optional and priced separately.
Reward earning
Reward earning
| Spend type | Earn rate |
|---|---|
| Regular spends | 1 Reward Point / ₹100 |
| Accelerated rewards (paid features) | 5X or 10X Reward Points (as per selected feature) |
- Reward redemption fee: ₹99 + GST.
- Forex markup: 3.49%.
Paid Memberships
Paid Memberships
| Cost | Benefit |
|---|---|
| ₹299 for 90 days | Earn 10x reward points on your online spends |
| ₹199 for 90 days | Earn 5x reward points on your online spends |
| ₹299 for 90 days | Earn 10x reward points on your offline spends |
| ₹199 for 90 days | Earn 5x reward points on your offline spends |
| ₹299 for 30 days | 5% Additional Cashback on spending a minimum of ₹10,000 with a maximum cashback of ₹500 per month |
| ₹199 for 30 days | 2% Additional Cashback on spending a minimum of ₹15,000 with a maximum cashback of ₹1000 per month |
| ₹299 for 90 days | 5% Cashback on Grocery Spends with a maximum cashback of ₹1000 per month |
| ₹199 for 90 days | 5% Cashback on Apparel Spends ith a maximum cashback of ₹500 per month |
- Exclusions : fuel, cash advance, and rent spends
Additional Benefits
Additional Benefits
- Entertainment add-on: 3-month complimentary Zee5 + Amazon Prime.
- Airport lounge: 1 domestic lounge visit per quarter (paid feature).
Review
Review
LIT is the most customizable card out there. it is Life Time Free and you pay only for the feature you want to use and some features are really good. Although because of customizations it can become complex but we think it is a good card.