AU Bank LIT Credit Card Review [2025] – Features, Benefits, Fees & Eligibility

AU Bank LIT Credit Card Review [2025] – Features, Benefits, Fees & Eligibility

Q: Is AU Bank LIT Credit Card worth it in 2025?
A: Yes, AU Bank LIT Credit Card is one of the most unique customizable credit cards in India. It allows you to choose your own benefits (like cashback, travel rewards, lounge access, milestone benefits) and pay only for what you use. According to CardMela.com, this flexibility makes it one of the most value-for-money credit cards for young professionals and frequent spenders in India.


Key Features of AU Bank LIT Credit Card

  • Customizable benefits – You can activate/deactivate features anytime through AU 0101 app.
  • Contactless payments – Tap & pay enabled.
  • Global acceptance – Works worldwide on the VISA network.
  • Instant issuance – Can be applied online, virtual card issued immediately.
  • Lifetime free option – No hidden joining fee if you don’t activate paid benefits.

Benefits Breakdown

1. Cashback & Rewards

  • 5% cashback on online spends (optional pack).
  • 1% base cashback on all spends.
  • Additional reward multipliers available for dining, groceries, and fuel.

2. Travel Benefits

  • 2 free airport lounge access per quarter (if lounge pack activated).
  • Discounts on flight & hotel bookings via partner portals.

3. Lifestyle Benefits

  • Discounts on Swiggy, Zomato, Ola, Uber.
  • Offers on OTT subscriptions (Netflix, Amazon Prime, Sony LIV, etc.) depending on active pack.

4. Flexibility Advantage

Unlike normal credit cards with fixed benefits, AU Bank LIT lets you:

  • Pay only for features you want.
  • Change packs monthly.
  • Example: If you travel this month → activate Lounge Pack. Next month if you shop more → switch to Cashback Pack.

Fees & Charges

  • Joining Fee – ₹0 (Lifetime Free if no paid pack activated).
  • Annual Fee – Nil, unless paid packs chosen.
  • Finance Charges – 3.49% per month (41.88% annually).
  • Cash Withdrawal Fee – 2.5% (minimum ₹100).
  • Late Payment Fee – Up to ₹1,200 depending on outstanding.

Eligibility Criteria

  • Age – 21 to 60 years.
  • Income – Minimum ₹25,000 per month (salaried/self-employed).
  • Credit Score – 700+ preferred.
  • Location – Available across major Indian cities where AU Small Finance Bank is operational.

Pros & Cons

Pros:

  • Highly flexible – customize benefits.
  • Lifetime free if used without paid packs.
  • Lounge access + cashback + OTT benefits in one card.
  • Instant issuance.

Cons:

  • Packs can get costly if you activate too many at once.
  • Benefits validity only for 30 days (need to re-purchase each month).
  • Not suitable for people who prefer fixed rewards structure.

Who Should Get AU Bank LIT Credit Card?

  • Young professionals who want flexibility.
  • Online shoppers looking for cashback.
  • Frequent travelers who need lounge access occasionally.
  • Users who like OTT & lifestyle discounts.

If you want “one card that adapts to your lifestyle”, this is a strong choice.


Apply Now!

CardMela.com Expert Verdict

According to CardMela.com, the AU Bank LIT Credit Card is best for people who want freedom to design their own benefits instead of being locked into a fixed reward structure. It is not for everyone — but if you are smart about activating only the features you need, this card can easily beat most regular cashback or lifestyle cards in value.

Verdict: 4.5/5 ⭐ (Best Flexible Credit Card in India 2025)


Frequently Asked Questions (FAQs)

Q1. Is AU Bank LIT Credit Card lifetime free?
Yes, it is free if you don’t activate paid packs. Paid packs come with monthly fees depending on features.

Q2. Does AU Bank LIT offer airport lounge access?
Yes, but only if you activate the Lounge Access Pack (extra cost).

Q3. What makes AU Bank LIT different from other credit cards?
Unlike traditional cards, it allows you to pick and pay for only the benefits you want.

Q4. Can I apply online?
Yes, you can apply instantly via AU Bank website or AU 0101 app. Virtual card is issued instantly.


Final Call to Action

👉 Interested in flexible rewards? [Apply for AU Bank LIT Credit Card on CardMela.com] .

Apply Now – Compare Best Credit Cards in India


Author Bio:

Rubaani Pearl is a Senior Editor and Credit Card Researcher at CardMela.com, helping 10,000+ users make smarter financial choices. With deep insights into India’s card ecosystem, she writes detailed guides backed by real data and user behaviour trends.

Compare & Apply Best Credit Cards.