एयू स्मॉल फाइनेंस बैंक एलआईटी (LIT) क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: AU Small Finance Bank Ltd.
India's first customizable credit card allowing users to toggle cashback, lounge access, and rewards on/off dynamically via app for 90 days.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
Zero joining fee, zero annual maintenance fee, and the freedom to build your own credit card features dynamically in the AU0101 app.
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.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (included with base card).
Dynamic modularity: Activate OTT subscriptions (Zee5, Amazon Prime, SonyLIV) or milestone cashback packs for 90 days when needed and deactivate during low-spend months.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried and self-employed Indian residents aged 21 to 60 with monthly income exceeding ₹20,000.
न्यूनतम वार्षिक आय आवश्यकता
₹20,000/month (Salaried / Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit aubank.in/lit or download the AU0101 mobile app. Step 2: Enter PAN and mobile number for instant algorithmic credit check. Step 3: Select AU LIT Credit Card and choose initial 90-day feature packs. Step 4: Confirm employment details and residential address. Step 5: Complete online Video KYC session with bank official. Step 6: Digital card activated in AU0101; physical card dispatched within 3 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.