The AU LIT Credit Card redefines flexibility by allowing you to build a card that fits your life. Pay only for the benefits you want, and change them as your needs evolve.
Key Benefits & Unique Proposition
- Customizable Features: Switch features ON or OFF at your convenience via the AU 0101 app.
- Budget-Friendly: Pick and choose features based on your budget, paying only for what you use.
- Lifestyle Adaptable: Easily change your card’s benefits to match your changing lifestyle needs.
- Easy Tracking: Manage and track your rewards, cashback, and feature usage all in one place.
Detailed Features & Benefits
1. Shopper’s Reward – 5X/10X Reward Points
- 10X Reward Points on all international and domestic retail transactions (offline POS and contactless).
- 5X Reward Points on eligible transactions.
- Maximum: 10,000 reward points per statement cycle.
- Exclusions: Not applicable on fuel, rent, cash withdrawals, education, government services, BBPS, and quasi-cash transactions.
- Utility & Insurance: Earn base rewards only (1 RP/₹100 spent).
2. Milestone Cashback
Earn additional cashback on top of your base rewards when you meet spending milestones.
| Cashback | Minimum Spend (in 30 days) | Maximum Cashback (per 30 days) | Fee (for 90 days) |
|---|---|---|---|
| 5% Additional Cashback | ₹10,000 | ₹500 | ₹299 |
| 2% Additional Cashback | ₹15,000 | ₹1,000 | ₹199 |
- Exclusions: Not applicable on cash withdrawals, BBPS, quasi-cash, fuel, and rent transactions.
3. Category Cashback
Earn an additional 5% cashback on top of your 1 base reward point per ₹100 spent.
- Categories: Apparel and Grocery (must be activated separately).
- Maximum Cashback: ₹500 per category every 30 days.
- Fee (for 90 days):
- Apparel Spends: ₹199
- Grocery Spends: ₹299
4. Fuel Surcharge Waiver
- Benefit: 1% waiver on fuel transactions between ₹400 and ₹5,000.
- Fee: ₹49 for 90 days.
5. Airport Lounge Access
- Benefit: Access to airport lounges.
- Visits: Up to 2 visits every 90 days.
- Fee: ₹399 for 1 free access (90 days).
6. Subscriptions
- Amazon Prime (3 months): Fee of ₹299. Must spend ₹10,000 within 90 days of activation to avoid penalties.
- ZEE5 (3 months): Fee of ₹99. Must spend ₹5,000 within 90 days of activation to avoid penalties.
7. Entertainment & Security
- Entertainment: Various entertainment benefits are provided.
- Credit Shield: Protection of up to ₹1.5 lakh in case of fraudulent transactions or card loss, once reported.
How to Build Your Card: Features & Pricing
All features are valid for 90 days from the date of activation and consist of three 30-day cycles. Features auto-renew unless disabled.
| Category | Feature | Price (for 90 days) |
|---|---|---|
| Category Cashback | 5% Cashback – Apparel Spends | ₹199 |
| 5% Cashback – Grocery Spends | ₹299 | |
| Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver | ₹49 |
| Accelerated Rewards | 10X Reward Points (Offline Spends) | ₹299 |
| 5X Reward Points (Offline Spends) | ₹199 | |
| 10X Reward Points (Online Spends) | ₹299 | |
| 5X Reward Points (Online Spends) | ₹199 | |
| Subscriptions | Amazon Prime (3 months) | ₹299 |
| ZEE5 (3 months) | ₹99 | |
| Milestone Cashback | 2% Additional Cashback | ₹199 |
| 5% Additional Cashback | ₹299 | |
| Lounge Access | 1 Free Airport Lounge Access | ₹399 |
Important Notes: AU LIT Credit Card
- Cashback Credit: Processed 5 days after the end of each 30-day cycle.
- Milestone Requirement: Cashback is provided only if the required spend is met within the 30-day cycle.
- Penalty: Applicable if minimum spend on subscriptions is not met.
How to Avail Benefits
Airport Lounge Access
- Log in to the AU 0101 App.
- Select ‘Manage Credit Card’.
- Choose ‘Airport Lounge’.
- Generate the QR code from the Voucher page.
- Show the QR code at the lounge.
Redeem Subscriptions
- Log in to the AU 0101 App.
- Select ‘Manage Credit Card’.
- Choose the voucher to redeem.
- Select ‘Redeem Voucher’.
- Enter the code to complete the process.
Track Cashbacks & Rewards
- Log in to the AU 0101 App.
- Select ‘Manage Credit Card’.
- Choose ‘Cashback/Reward Points’.
- View eligible transactions and benefits.
Eligibility Criteria
- Citizenship: Must be a citizen of India.
- Primary Cardholder Age:
- Salaried Individuals: 21 – 60 years
- Self-Employed Individuals: 25 – 65 years
- Add-on Cardholder: Must be 18 years or above.
- Final approval is at the bank’s discretion.
Fees & Charges :AU LIT Credit Card
| Fee Type | Amount |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Cash Advance Limit | 20% of credit limit |
| Finance Charges | 3.49% per month (41.88% p.a.) |
| Cash Advance Charge | 2.5% of amount (Min. ₹100) |
| Late Payment Charges | < ₹100: Nil ₹100 – ₹500: ₹100 ₹500 – ₹5,000: ₹500 ₹5,000 – ₹10,000: ₹700 ₹10,000 – ₹20,000: ₹800 |
Frequently Asked Questions (FAQs)
1. What makes the AU LIT Credit Card unique?
The AU LIT Card is fully customizable. You only pay for the specific features you want to use (like cashback, rewards, or lounge access) and can turn them on or off anytime via the app, making it highly flexible and budget-friendly.
2. Is there a joining or annual fee?
No, the AU LIT Credit Card has Zero Joining Fee and Zero Annual Fee. You only pay for the individual features you activate.
3. How do I activate or deactivate a feature?
All features are managed through the AU 0101 mobile app. Simply log in, go to ‘Manage Credit Card’, and toggle your chosen features on or off.
4. How long is a feature active once I pay for it?
Once activated, each feature has a validity period of 90 days.
5. Do features auto-renew after 90 days?
Yes, by default, features are set to auto-renew. You must manually disable auto-renewal for a feature in the AU 0101 app if you do not want it to renew.
6. When will I receive my cashback?
Cashback is credited to your account 5 days after the end of each 30-day cycle within the 90-day feature period.
7. What happens if I don’t meet the spending requirement for the Milestone Cashback?
If you do not meet the minimum spend (e.g., ₹10,000 for the 5% cashback) within a 30-day cycle, you will not receive the milestone cashback for that cycle.
8. Are there any penalties on the subscription benefits?
Yes. For the Amazon Prime subscription, you must spend ₹10,000 within 90 days of activation. For the ZEE5 subscription, you must spend ₹5,000 within 90 days. Failure to meet these spends will result in a penalty fee.
9. On what transactions will I NOT earn reward points or cashback?
You will not earn accelerated rewards or cashback on:
- Fuel purchases
- Rent payments
- Cash withdrawals
- Education & government services
- BBPS transactions
- Quasi-cash transactions
10. How can I avail the airport lounge access?
Log in to the AU 0101 app, navigate to ‘Manage Credit Card’ > ‘Airport Lounge’, generate the QR code, and present it at the partnered lounge.
11. How do I redeem my subscription vouchers for Amazon Prime or ZEE5?
In the AU 0101 app, go to ‘Manage Credit Card’, select the voucher you wish to redeem, click ‘Redeem Voucher’, and enter the provided code on the platform’s website.
12. What is the credit limit for cash withdrawals?
You can withdraw cash up to 20% of your total credit limit.
13. What are the charges for a late payment?
Late payment charges are based on your total outstanding amount:
- Up to ₹100: No charge
- ₹100 to ₹500: ₹100
- ₹500 to ₹5,000: ₹500
- ₹5,000 to ₹10,000: ₹700
- ₹10,000 to ₹20,000: ₹800
14. How can I pay my credit card bill?
You can pay your bill:
- Online: Via the AU 0101 app, net banking, or AutoPay.
- Offline: By depositing cash or a cheque at any AU Small Finance Bank branch.
15. I am not an existing AU Bank customer. Can I still apply?
Yes. You do not need to have an existing account with AU Small Finance Bank to apply for this credit card.
16. What is the age criteria for an add-on card?
You can add family members as add-on cardholders if they are 18 years of age or older.
17. What should I do if my card is lost or stolen?
Immediately report it to AU Bank customer service:
- Toll-Free: 1800 1200 1500
- Non-Toll-Free: 0141-7141100
18. Is the cashback adjusted against my outstanding bill?
Yes, any cashback you earn is automatically adjusted against your outstanding credit card dues.
19. What is the maximum reward points I can earn in a month?
You can earn a maximum of 10,000 reward points per statement cycle.
20. How do I track my rewards and cashback?
You can easily track all your earnings and eligible transactions through the ‘Cashback/Reward Points’ section under ‘Manage Credit Card’ in the AU 0101 app.
AU LIT Credit Card AU LIT Credit Card AU LIT Credit Card AU LIT Credit Card AU LIT Credit Card
AU LIT Credit Card AU LIT Credit Card AU LIT Credit Card AU LIT Credit Card
