AU LIT

AU LIT Credit Card is India's first fully customizable lifetime-free credit card offered by AU Small Finance Bank. Unlike traditional credit cards, it allows cardholders to select and activate benefits such as cashback, reward points, airport lounge access, OTT memberships, fuel benefits, and shopping rewards through the AU 0101 app. Users can modify their benefits every 90 days based on their spending preferences. 

✔️ Applicant must be an Indian resident

✔️ Age: 21–60 years (Salaried)

✔️ Age: 25–65 years (Self-Employed)

✔️ Salaried or self-employed individual

✔️ Stable source of income

✔️ Good CIBIL score (750+ preferred)

✔️ Must satisfy AU Small Finance Bank's internal credit criteria

✔️ Joining Fee: Nil

✔️ Annual Fee: Nil (Lifetime Free)

✔️ Feature Activation Fee: ₹49 to ₹399 per 90 days depending on selected benefits

✔️ Finance Charges: Up to 3.49% per month (41.88% p.a.)

✔️ Cash Withdrawal Fee: 2.5% of withdrawal amount (Minimum ₹100)

✔️ Forex Markup: 3.49%

✔️ Late Payment Charges: As per AU Bank policy 

✔️ PAN Card (Mandatory)

✔️ Aadhaar Card / Passport / Driving Licence

✔️ Address Proof

✔️ Income Proof (Salary Slip / ITR / Form 16)

✔️ Bank Statements (Last 3–6 Months)

✔️ Passport-size Photograph (if required)

Q1. Is AU LIT Credit Card really lifetime free?
Ans. Yes, there is no joining fee or annual fee on the card.

Q2. How does AU LIT Credit Card work?
Ans. You can activate and customize benefits through the AU 0101 app for a 90-day period by selecting features that match your lifestyle.

Q3. Does the card offer airport lounge access?
Ans. Yes, lounge access is available as an optional paid feature that can be activated through the app.

Q4. Can I change my selected benefits later?
Ans. Yes, benefits can be modified after the selected feature period ends.

Q5. Who should apply for AU LIT Credit Card?
Ans. Users who want flexibility to customize rewards, cashback, entertainment, travel and lifestyle benefits according to their spending habits.