Product Banner
Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

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.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

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

Features & Benefits

Lifetime Free Credit Card (No joining fee & no annual fee)
Customize benefits through the AU 0101 App every 90 days
Choose from cashback, rewards, airport lounge access, OTT memberships, shopping and lifestyle benefits
Earn up to 10X Reward Points on selected categories and features
Category Cashback benefits on grocery, dining, apparel and other selected spends
Airport Lounge Access can be activated as an optional feature
OTT memberships like Amazon Prime and ZEE5 available as optional benefits
1% Fuel Surcharge Waiver on eligible fuel transactions
Milestone Cashback and Bonus Reward options available 

Fees & Charges

Joining Fee: Nil
Annual Fee: Nil
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 

Documents Required

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)

FAQs

View / Toggle All

Yes, there is no joining fee or annual fee on the card.

You can activate and customize benefits through the AU 0101 app for a 90-day period by selecting features that match your lifestyle.

Yes, lounge access is available as an optional paid feature that can be activated through the app.

Yes, benefits can be modified after the selected feature period ends.

Users who want flexibility to customize rewards, cashback, entertainment, travel and lifestyle benefits according to their spending habits. 

Terms & Conditions

Benefits are activated separately through the AU 0101 App and may carry a feature fee.
Feature validity is generally 90 days from activation.
Cashback and rewards are subject to category-specific terms and spending thresholds.
Approval is subject to AU Small Finance Bank credit policy.
Benefits, charges and feature pricing may change at the bank's discretion. 

Apply for AU LIT

Get instant approval with zero paperwork and exclusive partner rewards.

Apply Now
It's quick, secure and hassle-free
Share This Product
Card At A Glance
Joining Fee Nil
Annual Fee Nil
Rewards Lifetime Free Credit Card (No joining fee & no annual fee)
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type AU SMALL FINANCE BANK