AU Bank LIT Credit Card review
People who want a free base card and pay only for features they switch on. Verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026 · confirm before applying
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At a glance
AU Small Finance Bank · Visa · Lifetime-free
Lifetime-free base; switch on benefit packs only in the cycles you want them.
- Annual fee
- Nil base (optional packs ₹49–₹399)
- Reward rate
- Base 1 RP/₹100; up to 5X/10X with paid feature packs (cap ~10k RP/cycle)
- Lifetime-free
- Yes
- Network
- Visa
- Eligibility
- Salaried 21–60 / self-employed 25–65 yrs; resident Indian
Why it stands out
- Lifetime-free base — ₹0 joining and ₹0 annual fee
- Customisable: turn on 90-day feature packs (₹49–₹399) for up to 5X/10X rewards
- Base 1 reward point per ₹100 (~0.25%); packs add accelerated rewards (cap ~10,000 RP/cycle)
Good to know
- It's genuinely lifetime-free — no joining or annual fee, so there's no minimum spend just to avoid a fee.
- Accelerated rewards are usually capped — check the monthly/quarterly caps in the reward rate above before counting on them.
- Issuers revise card terms often, so confirm the current fees, rewards and eligibility on AU Small Finance Bank's official page before applying.
How it compares
See it ranked against similar cards in our best lifetime-free credit cards roundup.
AU Bank LIT Credit Card — FAQs
Yes. The AU Bank LIT Credit Card has no joining fee and no annual fee for the life of the card, so you never pay just to hold it. Always confirm on AU Small Finance Bank's page, as issuers occasionally add fees.
Nil base (optional packs ₹49–₹399). Fees are dated as of June 2026 and can change — check the current schedule of charges on AU Small Finance Bank's official page before applying.
Lifetime-free base; switch on benefit packs only in the cycles you want them. In detail: Base 1 RP/₹100; up to 5X/10X with paid feature packs (cap ~10k RP/cycle). Reward values and caps are indicative and set by the issuer.
People who want a free base card and pay only for features they switch on. Eligibility is broadly Salaried 21–60 / self-employed 25–65 yrs; resident Indian. It's not advice — pick a card that fits your own spending and confirm you qualify on the issuer's page.
This is an informational review, not financial advice or a recommendation to apply. Card terms change often — confirm current fees, reward rates and eligibility on AU Small Finance Bank's official page before applying. Using credit responsibly and paying your bill in full avoids interest.