AU LIT Credit Card
The AU LIT Credit Card is India’s first fully customizable credit card, combining an unconditionally Lifetime Free base card with modular 90-day feature boosters. Cardholders activate micro-packs via the AU 0101 app only when needed—such as 5% cashback on groceries, 10X reward multipliers, discounted foreign exchange markups, or domestic airport lounge passes—ensuring users never pay for benefits they do not use.
Why We Recommend The AU LIT Credit Card
AU Bank’s most widespread card; its zero annual fee and customizable feature modularity make it a universal daily driver.
Tech-savvy users and dynamic spenders who want tailored perks on their own terms.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the AU LIT Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for AU LIT Credit Card
Zero hidden costs. Complete fee schedule verified with AU Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the AU LIT Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Up to 4 complimentary visits per 90-day cycle (activated on demand via LIT feature pack)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes AU LIT Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Customizable micro-benefits: activate features when you need them, deactivate when you do not.
Zero baseline annual fee liability (Lifetime Free core card).
Selectable 5% cashback modules on fashion, travel, groceries, and fuel.
Pros & Cons of the AU LIT Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- True flexibility—only pay micro-fees for benefits during months you actually travel or shop.
- Base card is Lifetime Free with zero maintenance anxiety.
- Allows toggling reduced forex markup or extra lounge access prior to trips.
Things to Consider (Cons)
- Requires proactive toggling on the AU 0101 app every 90 days.
- Micro-pack fees can add up if left enabled unintentionally.
- Base features without active paid packs are minimal.
Who Can Apply for the AU LIT Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
700+ Score Recommended
Applicants with a credit score of 700 or higher enjoy fast-tracked approval and preferential credit limits from AU Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About AU LIT Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
Explore Similar Cards from AU Bank
Compare rewards, annual fees, and airport lounge perks across alternative options.
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AU Altura Plus Credit Card
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AU Business Cashback Credit Card
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Ready to Apply for the AU LIT Credit Card?
Check your pre-approved credit limit and instant approval eligibility across AU Bank with 100% paperless verification and zero score impact.