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AU Bank LIT Credit Card
AU Small Finance • Visa

AU Bank LIT Credit Card

AU Bank LIT Credit Card - A lifetime free card that offers exclusive reward points & cashback on almost every category. Check benefits, features & Apply Online!

Annual FeeFreeLifetime Free
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹2,400Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Lifetime Free

Net value₹1,800

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
0.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • AU LIT is a modular card: benefits are feature-pack driven and can be turned on/off in 90-day cycles from the AU 0101 app.
  • Core value comes from selecting only the packs you actually use (reward multipliers, category cashback, lounge, memberships) instead of running all packs continuously.
  • This behaves more like a subscription rewards card than a fixed-benefit card, so optimization discipline matters more than raw headline rates.

Best Utilization

  • At the start of each 90-day cycle, activate only the packs aligned to upcoming spend (e.g., grocery/apparel quarter, travel quarter).
  • Treat pack fees as a mini P&L: keep a quick tracker to ensure realized cashback/reward value comfortably exceeds pack cost.
  • Disable auto-renew for low-usage packs after the lock window to avoid paying for features you will not use in the next cycle.

Watchouts

  • Feature packs auto-renew by default, and deactivation is not immediate for newly activated packs.
  • Some milestone or membership perks require spend thresholds; missed thresholds can reduce net value materially.
  • Do not evaluate LIT like a flat cashback card; without active packs it may underperform simpler alternatives.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports16
  • Approval reports9

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for AU Bank LIT Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No spend-based lounge policy is listed in current card data.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Updated On: 12 December, 2025Published by: Uday Devgan
  • Joining FeeLifetime Free
  • Annual FeeLifetime Free
  • Best Suited ForMovies, Travel, Dining, Fuel, Shopping

Things to Consider

  • Reward caps and exclusions apply
  • Issuer terms may change

About AU Bank LIT Credit Card

AU Bank LIT Credit Card is a cashback card from AU Small Finance, best for travel & lounge access. It is tagged under lifetime free, online categories in our database.

Lifetime FreeOnline

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Frequently asked questions

Is AU Bank LIT Credit Card lifetime free?

AU Bank LIT Credit Card is lifetime free with no annual fee.

What rewards does AU Bank LIT Credit Card offer?

AU Bank LIT Credit Card - A lifetime free card that offers exclusive reward points & cashback on almost every category. Check benefits, features & Apply Online!

Does AU Bank LIT Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider AU Bank LIT Credit Card?

Travel & lounge access

Where can I apply for AU Bank LIT Credit Card?

Check the issuer website for application availability.