India's First Customizable Feature Card on Demand
Savvy consumers who want total control over their card features and pay only for benefits they actually use.
Free
One-time upfrontFree
Lifetime Free — no renewal fee1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25)
On eligible spends3.49% + GST
Cross-currency spendsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The AU Bank LIT Credit Card is India's pioneer in customizable credit cards, fundamentally breaking the traditional static feature model. Issued as a Lifetime Free (LTF) base card with ₹0 joining fee and ₹0 annual fee, LIT allows users to activate specific high-value features for 30 or 90 days directly through the AU 0101 mobile app, paying nominal micro-fees or meeting spend thresholds only when they need them. Key on-demand feature modules include: 5% cashback on travel and dining, 5% cashback on grocery and electronics, 10X reward points on international transactions, complimentary domestic airport lounge visits, and 3-month OTT subscriptions (such as Zee5, Amazon Prime, or SonyLIV). When traveling, a cardholder can turn ON airport lounge access and international 10X rewards, and then turn them OFF upon returning home. When no paid feature packs are active, the base card earns a modest 1 Reward Point per ₹100 on general retail spending. Cardholders must actively manage feature renewal dates in the app, as auto-renewing unused packs can accumulate unnecessary micro-charges. For financially astute users who love tailoring their benefits around upcoming vacations, festivals, or shopping seasons, the AU LIT card offers unparalleled flexibility with zero fixed maintenance liability.
1 Reward Point/₹100 Spent. 10X or 5X Accelerated Reward Points and Additional Cashbacks (Paid Features)
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Customizable Category Spends | Up to 5% cashback or 10X reward points based on activated feature packs in AU 0101 app | No Cap | Standard terms apply |
| Base Retail Spends | 1 Reward Point per ₹100 spent on retail transactions (0.25% base return) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Customizable Category Spends | ₹12,000 | Up to 5% cashback or 10X reward points based on activated feature packs in AU 0101 app | — | None | Calculating... | Under cap |
| Base Retail Spends | ₹18,000 | 1 Reward Point per ₹100 spent on retail transactions (0.25% base return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹0 (Lifetime Free base card); Annual Renewal Fee: ₹0. • Feature Customization: Cardholders activate bespoke feature packs for 30 or 90-day durations via AU 0101 mobile app. • Available Packs: 5% cashback on dining/travel, 5% cashback on groceries, 10X reward points, airport lounge visits, OTT memberships. • Base Rewards: 1 Reward Point per ₹100 on general retail spending when no feature packs are active. • Point Valuation: 1 AU Reward Point = ₹0.25 on the AU Rewardz catalog. • Fuel Surcharge: 1% surcharge waiver for transactions between ₹400 and ₹5,000 across all petrol pumps.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding AU Bank LIT Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official AU Small Finance Bank portal with paperless verification.
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