AU LIT Credit Card
AU LIT is built around a build-your-own-benefits idea that's fairly unusual in the Indian market: it's lifetime-free, but out of the box it only earns about 1 reward point per ₹100 spent — roughly 0.25%. The real value comes from "packs" you switch on and off inside the AU 0101 app in 90-day blocks, each one costing somewhere between ₹49 and ₹399 per quarter. Turn on the right pack and the card can pay back up to 5% cashback on categories like groceries or apparel, or add extras such as lounge access and OTT subscriptions; leave everything switched off and you're left holding a card that barely rewards you at all. It's a strong pick if your spending patterns shift through the year and you're willing to log in and adjust packs accordingly — it's a weak one if you want a card you can simply forget about.
Key features
The standout capabilities of this card, in brief.
5% on Groceries
5% cashback on grocery spends ONLY with the grocery pack active (₹299 per 90 days; a similar ₹199 apparel pack exists), capped ₹500 per 30-day cycle; the base card earns 0.25%
2.5% on Online Shopping
10X reward points (10 per ₹100, ~2.5%) on online spends ONLY with the 10X online pack active (₹299 per 90 days), capped 10,000 points per statement cycle; the base card earns 0.25%
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceries | cashback | 5% | ₹500 |
| Online Shopping | reward points | 2.5% | ₹2,500 |
| Other | reward points | 0.25% | ₹2,500 |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Lifetime free |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.49% |
Should you get it?
Best for: Everyday spenders, Online shoppers
Mid tier — a dependable choice for people with fairly consistent monthly spending.
You'll get the most out of it if groceries make up a large share of your budget (5% back).
✓ Pros
- No joining fee and no annual fee, ever
- Straightforward entry- to mid-tier card to hold
- Works with UPI apps for everyday payments
✕ Cons
- High spenders may find the reward caps restrictive
- Limited premium travel or lifestyle perks
Eligibility & documents
Age
21 –60 years
Min. income
₹20,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
How to turn your accumulated rewards into something usable.
🎁 Statement credit / cashback adjustment
🎁 Online rewards catalogue (vouchers, merchandise)
🎁 Flight & hotel bookings via the issuer rewards portal
What your AU Reward Points are worth
What each point is actually worth depending on how you redeem it — the gap between routes is where most cardholders lose value without realizing it.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern This card only delivers if you stay hands-on with it — anyone who leaves it on autopilot ends up with one of the lowest default earn rates you'll find.
The bottom line
LIT's core idea is a good one and AU has executed it well, but nearly all of the value depends on you actually managing the packs. Left alone, the free base tier earns next to nothing, and the rates and perks worth having all sit behind quarterly pack charges of ₹49 to ₹399. Stay on top of switching packs in and out and this card can genuinely earn well when you need it to; ignore it and you're carrying one of the weaker free cards on the market.
Sources & verification
Fee, reward-rate, and benefit details for the AU LIT Credit Card come from AU Small Finance Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last verified 15 Aug 2026. Reviewed by the SarvCred Editorial Team. Always confirm the latest details directly with the issuer before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for AU Small Finance Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Frequently asked questions
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