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AU Small Finance Bank LIT Credit Card

Au Small Finance Bank LIT Credit Card is a unique credit card since you can decide its features and benefits.

    Key Features

    Customizable features: Choose and modify features like Milestone Cashback, Category Cashback, Fun & Fitness Memberships, Airport Lounge Access, Shopper's Reward, and Fuel Surcharge Waiver based on your preferences.
    Milestone Cashback: Earn 5% cashback on retail spends three times over a 90-day period and 2% cashback on retail spends three times over a 90-day period.
    Category Cashback: Earn additional 5% cashback for travel, dining, grocery, electronics, and apparel expenses in addition to 1 Reward Point per ₹100 spent.
    Fun & Fitness Memberships: Enjoy access to a variety of gyms, fitness centers, and other recreational activities across India.
    Airport Lounge Access: Enjoy 4 complimentary domestic airport lounge visits per quarter.
    Shopper's Reward: Earn up to 10X reward points on select partner outlets.
    Fuel Surcharge Waiver: Save up to ₹100 per month on fuel surcharge.
    No joining fee or annual fee: Apply for the card without paying any joining fee or annual fee.

Fun & Fitness Memberships: Enjoy access to a variety of gyms, fitness centers, and other recreational activities across India.

Milestone Cashback: Earn 5% cashback on retail spends three times over a 90-day period and 2% cashback on retail spends three times over a 90-day period.

No joining fee or annual fee: Apply for the card without paying any joining fee or annual fee.

  • Welcome Benefits: None. 

  • Reward System:  5% cashback on travel, dining, groceries, apparel, and electronics or 2.5 on all online spends depending on the reward system you choose. 

  • Billing Cycle: 30 Days. 

  • Special Feature: You can choose your benefit package. 

  • Interest Rate: 3.59% per month (43.08 % annually).

  • Credit Card Type: Shopping Credit Card

The verdict

    AU Bank LIT Credit Card is one of the best credit card for the youth. However, it is only for tech savy, as some individuals will get confused with its benefits and with the concept of choosing the benefits one wants and paying only for those benefits.

Rating

average rating is 4 out of 5

How to get

Here are the steps on how to apply for an AU Bank LIT Credit Card:

  • Visit the AU Bank website or download the AU 0101 app.

  • Click on the "Apply for Credit Card" tab.

  • Select the LIT Credit Card.

  • Enter your personal details, such as your name, address, and contact information.

  • Enter your income and employment details.

  • Select the features and benefits that you want on your card.

  • Submit your application.

  • You will need to provide the following documents to complete your application:
    A copy of your PAN card
    A copy of your latest bank statement
    A copy of your latest salary slip (if applicable)
    AU Bank will review your application and let you know the status within a few days. If your application is approved, you will receive your card in the mail within a few weeks.

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Review by

Abhijeet Saxena

About the Expert

Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai

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