AU Bank Credit Card offers an amazing array of benefits that provides the ultimate consumer experience. Be it grocery or an international trip one can enjoy plenty of lifestyle privileges and complimentary benefits with different AU Bank Credit Cards. It gives easy access to the perfect credit card that meets the requirements of the card holder irrespective of the location.
The AU Bank LIT Credit Card is India’s first customizable card that gives the freedom to build it in one’s own way. Whether the cardholder wants to select & change the features on the basis of lifestyle, switch features on/off, pay for the features that are chosen, or track and manage them on the go in real time, the LIT Credit Card takes care of everything.
| AU Small Finance Bank LIT Credit Card- A Snapshot | |
| Card Type | Lifetime-free |
| Best Suited for | Rewards & Cashback |
| Best Feature | Up to 10X reward points on online & offline domestic & international transactions |
Different Credit Cards from AU Bank
- LIT Credit Card
- Vetta Credit Card
- Altura Credit Card
- Alture Plus Credit Card
- Zenith Credit Card
- SwipeUp Platform Credit Card
AU Bank Credit Card Benefits
Below mentioned are some of the features of the AU Bank Credit Card:
- Exciting cashback benefits
- Accelerated Reward Points
- Complimentary Device Insurance
- Amazing Welcome & Milestone Benefits
- Multi-Rewards & Lifestyle benefits
Fees & Charges
Below mentioned are some of the features of the AU Bank LIT Credit Card:
| Type of Fees / Charges | Amount |
| Cash Advance Charges | 2.5% amount withdrawn, subject to a maximum of 100 |
| Cash Advance Limit | 20% of the total credit limit |
| Late Payment Fees | For Statement Balance:
|
| Annual Card Membership Fees | Lifetime Free |
Eligibility Criteria
| Criteria | Details |
| Occupation | Salaried or Self-employed |
| Age | 21-60 years |
| Nationality | Indian |
| Age of Add-On Card Holder | Over 18 Years |
Features of AU Bank LIT Credit Card
Shoppers’ Reward – Earn 5X/10X Reward Points
Earn Reward Points as per the eligibility i.e.:
- 10X or 5X Reward Points on all online domestic & international retail transactions
- 10X or 5X Reward Points on all POS & Contactless offline domestic & international transactions
– Reward Points can be redeemed post-statement generation.
– Cash withdrawal, Fuel and EMI transactions will not be eligible for Program/Base Reward Points.
– Fuel, rent, and cash withdrawal transactions will not be eligible for Accelerated rewards i.e. 5X or 10X Reward Points.
Fuel Surcharge Waiver
Get a fuel surcharge waiver whenever fuel is refilled using LIT Credit Card.
- 1% fuel surcharge waiver on all transactions between INR 400 to INR 5,000
Milestone Cashback
Get cashback on retail spending while using your LIT Credit Card.
Additional 5% Cashback
- Earn 5% cashback 3 times over a 90 days period.
- 5% cashback for retail spends in addition to 1 Reward Point per INR 100 spent.
- Minimum retail spends of INR 7,500 & max. Cashback of INR 500 over a 30-day period.
Additional 2% Cashback
- Earn 2% cashback 3 times over a 90 days period.
- 2% cashback for retail spends in addition to 1 Reward Point per INR 100 spent.
- Minimum retail spends of INR 10,000 & max. Cashback of INR 1,000 over a 30 days period.
– Cashback will be adjusted against outstanding dues on the Credit Card.
– Fuel, rent, and cash withdrawal transactions will not be eligible for Accelerated rewards i.e. 5X or 10X Reward Points.
Category Cashback
Earn cashback while using LIT Credit Card for groceries, dining, travel, electronics, and apparel.
- Additional 5% cash back for travel, dining, grocery, electronics, and apparel expenses in addition to 1 Reward Point per INR 100 spent.
- Max. Cashback of INR 1,000 in each 30 days period.
– Cashback will be adjusted against outstanding dues on the Card
Airport Lounge Access
- Up to 4 visits per 90 days
Fun & Fitness- Memberships
The LIT Credit Card brings food delivery, fitness, and entertainment right to your door!
Cardholders are eligible for 3 Month Membership of:
- ZEE5 with 2,800+ blockbusters, 150+ web series, LIVE TV, Before TV, watch ad-free content on mobile, TV, Laptop, & Eduaurra competitive learning exams.
- Amazon Prime with unlimited free, fast delivery on eligible items, video streaming, ad-free music, free in-game content, exclusive access to deals & more.
- Cult pass Live subscription for at-home live workouts.
Card Liability Cover
In the unfortunate event of loss of Credit Card, you carry zero liability (up to INR 1,50,000 or your credit limit, whichever is lower) on any fraudulent transactions made with a card after reporting the loss to the bank
- Also, you are protected against Card Counterfeit/Skimming and Online fraud.
Credit Shield-Up to INR 1.5 Lakhs.
How to build AU LIT Credit Card:
Below mentioned are the steps to build the LIT Card:
Step 1: Start your LIT journey
Using a QR Code, scan to download the AU 0101 App and start building the LIT Credit Card.
Step 2: Power to choose your Card features
Go to Credit Card Homepage and click on ‘Manage Credit Card’ to explore the available benefits and choose your favorites.
Step 3: Power to choose your Card pricing
Check the pricing of each feature and select the ones that suit your pocket and your lifestyle.
Step 4: Power to switch on/off features
Choose/modify benefits as your needs change. You can disable the auto-renewal of any feature through the AU 0101 App.
*Note: All benefits are applicable for 90 days with auto-renewal enabled by default.
Step 5: Power to manage and track transparently
Manage and track your cashback, and rewards from existing active benefits.
