INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official aubank.in (AU Small Finance Bank) Most Important Terms and Conditions (MITC).

🏛️AU Small Finance Bank Ltd.Network: VisaShopping & Rewards CardsLast Verified: 2026-09-28

AU Small Finance Bank LIT Credit Card

एयू स्मॉल फाइनेंस बैंक एलआईटी (LIT) क्रेडिट कार्ड

India's first customizable credit card allowing users to toggle cashback, lounge access, and rewards on/off dynamically via app for 90 days.

Annual FeeLifetime Free Base Card (Custom Feature Add-Ons on AU0101 app)

Reward RateCustomizable features: Toggle on 5% or 2% cashback on travel, dining, or grocery for 90 days. Toggle on 10X or 5X reward points on online/POS spends. Base card earns 1 Reward Point per ₹100 on retail transactions.

Airport LoungeOptional add-on: Activate up to 4 complimentary domestic airport lounge visits per 90-day period on-demand via the AU0101 app for a nominal fee.

Forex Markup3.49% + GST on foreign currency transactions.

What Is This Card

AU Small Finance Bank LIT Credit Card is India's first truly customizable credit card. Operating on a 'Live It Today' modular architecture, the base card is Lifetime Free, allowing cardholders to turn features (cashback, airport lounge access, 10X points, OTT streaming passes) on and off in real time on the AU0101 mobile app for 90-day intervals.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

Lifetime Free Base Card (Custom Feature Add-Ons on AU0101 app)

Fee Waiver: Base card is unconditionally Lifetime Free (LTF); individual feature add-on packs (e.g. 5% cashback, lounge access, OTT packs) are purchased dynamically on the AU0101 app for 90-day periods.

🎁Welcome Benefit

Zero joining fee, zero annual maintenance fee, and the freedom to build your own credit card features dynamically in the AU0101 app.

⚡Reward Points Structure

Customizable features: Toggle on 5% or 2% cashback on travel, dining, or grocery for 90 days. Toggle on 10X or 5X reward points on online/POS spends. Base card earns 1 Reward Point per ₹100 on retail transactions.

Redemption Value: 1 Reward Point = ₹0.25 against shopping vouchers, recharges, or statement balance.

🛫Airport & Railway Lounge Access

Optional add-on: Activate up to 4 complimentary domestic airport lounge visits per 90-day period on-demand via the AU0101 app for a nominal fee.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Standard fraud liability cover up to credit limit under zero lost card liability.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (included with base card).

🎯Milestone Spends & Grace Period

Milestones: Dynamic modularity: Activate OTT subscriptions (Zee5, Amazon Prime, SonyLIV) or milestone cashback packs for 90 days when needed and deactivate during low-spend months.

Interest-Free Period: Up to 48 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Base card without active add-ons offers minimal 0.25% rewards. Feature packs require micro-payments or spend commitments and automatically expire after 90 days unless renewed.

Forex Markup Fee3.49% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹100 (whichever is higher) + 3.49% monthly finance charges.

Finance Charges (Interest)3.49% per month (41.88% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹400 for ₹501–₹1,000; ₹500 for ₹1,001–₹5,000; ₹700 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹20,000; ₹1,100 for above ₹20,000 (+ GST).

Reward Points ExpiryReward points expire 2 years (24 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried and self-employed Indian residents aged 21 to 60 with monthly income exceeding ₹20,000.

Age Requirement21 to 60 Years

Minimum Income₹20,000/month (Salaried / Self-Employed)

CIBIL Score NoteA credit score of 720+ is standard. 100% digital paperless application.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit aubank.in/lit or download the AU0101 mobile app.

2Enter PAN and mobile number for instant algorithmic credit check.

3Select AU LIT Credit Card and choose initial 90-day feature packs.

4Confirm employment details and residential address.

5Complete online Video KYC session with bank official.

6Digital card activated in AU0101; physical card dispatched within 3 business days.

Branch Application for Offline Applicants

Apply at any AU Small Finance Bank branch by submitting self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (aubank.in)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card (mandatory for instant e-KYC)

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on AU Small Finance Bank LIT Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹400 for ₹501–₹1,000; ₹500 for ₹1,001–₹5,000; ₹700 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹20,000; ₹1,100 for above ₹20,000 (+ GST).. In addition, revolving finance charges at 3.49% per month (41.88% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on AU Small Finance Bank LIT Credit Card into EMI?

Yes, AU Small Finance Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on AU Small Finance Bank LIT Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into AU Small Finance Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.25 against shopping vouchers, recharges, or statement balance. Please note: Reward points expire 2 years (24 months) from the date of accrual.

What is the interest-free grace period on AU Small Finance Bank LIT Credit Card and how does it work?

The interest-free period on AU Small Finance Bank LIT Credit Card is Up to 48 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.49% per month (41.88% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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