AU LIT Credit Card
AU LIT Credit Card: judge the lifestyle benefits against your spending and renewal cost.
By Ash · Issuer source linked September 2026
Check the issuer’s current card terms, availability and eligibility criteria.
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Base 1 Reward Point/₹100; optional paid features may boost eligible rewards or provide cashback. Feature-specific fees, durations, minimum spends and caps apply. AU LIT features are optional and feature-specific pricing applies for their 90-day duration. The bank says features may auto-renew; manage renewal in the AU app. Check each feature's live fee and terms before opting in.
Cash-value estimates are not enabled for this product. Its merchant, feature or redemption conditions need a separate model; published earn rules and non-cash benefits are shown below. Eligibility and excluded transaction types still matter even where no cap is recorded.
Cardholders who use the benefits listed below and can meet the applicable channel, merchant and spend requirements. Fee-waiver terms: Lifetime free.
The annual fee outweighs the benefits you can actually use, or your main spending falls outside the eligible merchants or categories.
Why no automated estimate: Paid, time-limited feature selections change cashback and points. Feature charges, activation windows and cap buckets are not inputs in this model.
Base 1 Reward Point/₹100; optional paid features may boost eligible rewards or provide cashback. Feature-specific fees, durations, minimum spends and caps apply.
AU LIT features are optional and feature-specific pricing applies for their 90-day duration. The bank says features may auto-renew; manage renewal in the AU app. Check each feature's live fee and terms before opting in.
PROS
- Customizable optional reward features
- Lifetime-free base card
- Fuel surcharge waiver subject to terms
CONS
- Optional features may carry fees
- Feature terms, caps and eligible categories vary
- Rewards capped at 10,000 points per statement cycle
- Published earn rules: Base 1 Reward Point/₹100; optional paid features may boost eligible rewards or provide cashback. Feature-specific fees, durations, minimum spends and caps apply.
- Redemption choice: Base 1 Reward Point/₹100; optional paid features may boost eligible rewards or provide cashback. Feature-specific fees, durations, minimum spends and caps apply. AU LIT features are optional and feature-specific pricing applies for their 90-day duration. The bank says features may auto-renew; manage renewal in the AU app. Check each feature's live fee and terms before opting in.
- Renewal decision: Listed annual fee: ₹0 before applicable tax. Lifetime free. Compare this cost with rewards you can redeem; a fee waiver is not itself a reward.
Optional features may carry fees. Feature terms, caps and eligible categories vary. Rewards capped at 10,000 points per statement cycle
How does AU LIT Credit Card earn rewards?
Base 1 Reward Point/₹100; optional paid features may boost eligible rewards or provide cashback. Feature-specific fees, durations, minimum spends and caps apply.
Are points and cashback the same?
Base 1 Reward Point/₹100; optional paid features may boost eligible rewards or provide cashback. Feature-specific fees, durations, minimum spends and caps apply. AU LIT features are optional and feature-specific pricing applies for their 90-day duration. The bank says features may auto-renew; manage renewal in the AU app. Check each feature's live fee and terms before opting in.
What should I compare before renewing?
The published fee, applicable tax, waiver conditions and the benefits you use. Lifetime free. Exclude unused vouchers and promotional offers from your baseline.