AU Bank LIT Credit Card
AU Small Finance Bank · Visa
Why this card?
- 0.25% back in reward points on eligible spends
- Lifetime free — no joining or annual fee
Card details
- Issuer
- AU Small Finance Bank
- Network
- Visa
- Annual Fee
- Lifetime Free
- Joining Fee
- None
- Reward Type
- points
- Best Reward Rate
- 10% on user-chosen category — travel, fuel, OTT, or dining
- Forex Markup
- 3.49%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹20,000
- Rates verified
- 2026-10-06
Our verdict
AU Bank LIT is a lifetime-free credit card with optional paid benefits — you add the features you want, such as 10X reward points (₹299 per quarter), 5X reward points (₹199 per quarter), a fuel surcharge waiver, a paid airport lounge visit or milestone cashback, and skip the rest. This modular design is useful for spenders whose priorities shift, though the value depends entirely on whether the paid features you pick earn back their cost.
Pros
- Lifetime free — no annual or joining fee
- Pay only for the features you add, starting from ₹49 per quarter
- Optional 10X reward points on a chosen category for ₹299 per quarter
Cons
- Requires active management — passive users won't extract maximum value
- Per-feature fees add up — buying several each quarter can push total cost above a flat premium card
- Fuel surcharge waiver and lounge visits are paid add-ons, not included by default
- Dedicated single-category cards will outperform LIT in any single category