AU LIT Credit Card
AU Bank · Lifestyle · Visa/RuPay
Annual Fee
FREE
Fee Waiver
Lifetime free
Lounge Access
Add-on
Best Rate
5%
Network
Visa/RuPay
✅ Data verified March 2026
Reward Rates by Category
🛍️Shopping
5%
🍽️Dining
1%
✈️Travel
1%
🛒Online Shopping
1%
🥦Groceries
1%
💡Utilities
1%
🎬Entertainment
1%
⛽Fuel
0%
How Points Work
Customizable rewards — pick your categories · Up to 5% on selected, 1pt/₹100 other
💡
Redemption matters
Rates depend on Feature Pack selection. Pick 2-3 categories for up to 5%. Without packs, base is ~1%. Change packs monthly via AU app.
🚀 Boosted Rates (Partners & SmartBuy)
Selected feature pack categoriesUp to 5% or 10x points
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
Lifetime freeCustomizable reward categoriesUp to 5% on your picksFuel surcharge waiver
PROS
✅ Choose your own reward categories
✅ Lifetime free
✅ Up to 5% on selected
CONS
⚠️ Need to actively select feature packs
⚠️ 1% base on non-selected
⚠️ 10K points cap/cycle
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