← Part of AU Small Finance Credit Cards in India
The AU LIT Credit Card is India’s first customizable credit card, allowing users to select features based on their spending habits. As of March 2026, AU Small Finance Bank manages over 10 lakh active credit cards across India, reflecting its significant presence in the market.
| Parameter | Details |
|---|---|
| Card Name | AU LIT Credit Card |
| Issuer | AU Small Finance Bank |
| Card Type | Customizable Credit Card |
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (Lifetime Free) |
| Key Innovation | India’s First Customizable Credit Card |
| Feature Selection | Via AU 0101 app for 90-day periods |
| Feature Validity | 90 days from activation date |
| Auto-Renewal Disable Period | After 7 days from feature activation via 0101 Mobile Banking |
| Reward Points Earning | Up to 5 points per ₹100 spent |
| Cashback Offers | Additional 5% or 2% cashback on retail spending; up to 5% on online shopping and dining |
| Interest-Free Period | Up to 48 days (not applicable for cash withdrawals) |
| Domestic Airport Lounge Access | ₹399 per 90-day period (feature fee) |
| Reward Redemption Options | Merchandise, flights, hotels, buses, movies, mobile/DTH recharge, Golf sessions |
| Ineligible for Cashback | Fuel, rent, insurance, cash withdrawal transactions |
| Eligibility (Salaried) | Age 21-60 years, Indian Resident |
| Eligibility (Self-Employed) | Age 25-65 years, Indian Resident |
| Minimum CIBIL Score | 650 and above |
| Application Mode | Online and Offline (bank branch) |
The card’s lifetime-free status and flexible feature selection make IT a unique offering in the Indian credit card market, catering to diverse spending patterns.
LIT Credit Card: Customizable Features
The AU LIT Credit Card is India’s first customizable credit card, allowing users to select features based on their spending habits for a 90-day period. Cardholders can activate benefits like accelerated reward points or cashback via the AU 0101 app.
| Feature Category | Specific Benefit | Validity |
|---|---|---|
| Reward Points | 10X Reward Points on all online or offline domestic and international transactions | 3 months |
| Reward Points | 5X Reward Points on all online or offline domestic and international transactions | 3 months |
| Cashback | Additional 5% cashback on retail spends | 3 months |
| Cashback | Additional 2% cashback on retail spends | 3 months |
| Cashback | Additional 5% cashback for travel, dining, and grocery expenses | 3 months |
| Cashback | Additional 5% cashback for grocery & apparel expenses | 3 months |
| Lounge Access | 1 complimentary visit to Airport Lounge | 90-day period (maximum 2 visits can be selected) |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹400 to ₹5,000 | Ongoing (as per feature selection) |
| Base Rewards | 1 Reward Point for every ₹100 spent on retail | Lifetime (base card feature) |
| Customization | Ability to choose and activate features via AU 0101 app | 90 days per activated feature |
| Feature Management | Auto-renewal of features can be disabled via AU 0101 Mobile Banking | After 7 days from feature activation |
| Reward Redemption | Redeem points for merchandise, flights, hotels, buses, movies, mobile/DTH recharge, Golf sessions | Post statement generation |
These customizable features allow cardholders to tailor their card benefits to align with their current lifestyle and spending priorities, offering flexibility not typically found in standard credit cards.
LIT Credit Card: Fees & Charges
The AU Bank LIT Credit Card is a lifetime-free card, meaning IT carries no annual or joining fees. Cardholders pay only for the customizable features they activate, with quarterly feature fees ranging from ₹49 to ₹3,999, depending on the chosen benefits.
| Metric | Value (₹) | Frequency |
|---|---|---|
| Joining Fee | 0 | One-time |
| Annual Fee | 0 | Annual |
| Quarterly Feature Activation Fee | 49 – 3,999 | Quarterly (per feature) |
| Domestic Airport Lounge Visit Fee | 399 | Per 90-day period (if feature activated) |
| Revolving Credit Charges (LIT, Altura & Altura Plus) | 3.59% per month (43.08% annually) | Monthly |
| Foreign Currency Transaction Fee (LIT, Altura, Altura Plus) | 3.49% | Per transaction |
| Interest-Free Period | Up to 48 days | N/A (not applicable for cash withdrawal) |
| CheQ AU Credit Card Annual Fee (for comparison) | 499 | Annual (reversible on ₹3 lakh annual spends) |
| CheQ AU Credit Card LED Version One-Time Fee (for comparison) | 999 | One-time (waived until May 31, 2026 for CheQ customers) |
Feature fees are charged on the date a customer opts in for a specific benefit, or from the card activation date if selected during the application process.
LIT Credit Card: Eligibility Criteria
To apply for the AU Bank LIT Credit Card in 2026, applicants must be Indian residents meeting specific age and credit score requirements. Salaried individuals need to be between 21 and 60 years old, while self-employed applicants must be between 25 and 65 years.
A CIBIL score of 650 or higher is generally required for approval, indicating a healthy credit history. Add-on cardholders can be 18 years and above.
- Residency: Applicants must be resident Indian citizens. This is a fundamental requirement for all AU Bank credit cards, including the LIT Credit Card.
- Age for Salaried Individuals: Salaried applicants must be between 21 and 60 years of age at the time of application. This age bracket aligns with typical employment periods.
- Age for Self-Employed Individuals: Self-employed applicants need to be between 25 and 65 years old. This accommodates the varied career paths of business owners and professionals.
- Add-on Cardholders: Individuals aged 18 years and above are eligible to be add-on cardholders on the primary account.
- CIBIL Score: A CIBIL score of 650 or more is generally expected for approval. A higher score can improve approval chances and potentially unlock better terms.
- Required Documents: Key documents include identity proof (PAN card, Aadhaar), address proof (utility bill not more than 3 months old, passport), and income proof (latest salary slips, Form 16, or bank statements).
Meeting these criteria is for a successful application for the AU Bank LIT Credit Card in 2026.
LIT Credit Card: Application Process
Applying for the AU Bank LIT Credit Card in 2026 is straightforward, with both online and offline options available. Applicants must meet specific age and residency criteria, including being an Indian resident with a CIBIL score of 650 or above.
The bank requires standard identity, address, and income proofs to process applications efficiently.
- Online Application: Visit the official AU Small Finance Bank website or the AU 0101 app. Fill out the digital application form with personal and financial details.
- Offline Application: Visit any AU Small Finance Bank branch across India. Obtain and complete the physical credit card application form.
- Document Submission: Provide necessary documents for identity, address, and income verification. These include an Aadhaar card, passport, and recent salary slips or bank statements.
- Eligibility Check: The bank assesses your eligibility based on age (21-60 for salaried, 25-65 for self-employed) and CIBIL score (650+). Add-on cardholders must be 18 years or older.
- Application Review: AU Small Finance Bank reviews the submitted application and documents. The bank makes the final decision to approve or decline the card.
- Card Issuance: Upon approval, the AU LIT Credit Card is issued. As per RBI guidelines, credit cards must be activated within 37 days of issuance.
The application process ensures that eligible Indian residents can access the customizable features of the AU LIT Credit Card.
LIT Credit Card: Reward Redemption
The AU LIT Credit Card allows cardholders to redeem earned reward points for various benefits after the statement is generated. Cardholders can earn up to 5 points per ₹100 spent on the card.
These reward points offer flexibility across several categories, catering to diverse spending habits.
- Merchandise Purchases: Redeem points directly against the purchase of various products and goods.
- Travel Bookings: Use points to book flights, hotels, and bus tickets across India.
- Entertainment: Points can be used for booking movie tickets.
- Mobile/DTH Recharge: Recharge mobile phones or DTH services using accumulated reward points.
- Golf Sessions: Book golf sessions at participating golf courses throughout India.
- Cashback Offers: Certain customizable features allow for up to 5% cashback on online shopping and dining.
The redemption options are designed to provide tangible value from everyday spending with the AU LIT Credit Card.
AU LIT vs CheQ AU Credit Card
The AU LIT Credit Card is India’s first customizable credit card, allowing users to select features for 90-day periods. In contrast, the CheQ AU Credit Card, launched on April 15, 2026, is India’s first LED credit card, offering an ecosystem-linked rewards program via the CheQ app.
| Parameter | AU LIT Credit Card | CheQ AU Credit Card |
|---|---|---|
| Card Type | India’s First Customizable Credit Card | India’s First LED Credit Card |
| Annual Fee | Lifetime Free (with optional quarterly fees for features) | ₹499 (reversible on annual spends of ₹3 lakh) |
| Joining Fee | ₹0 | ₹0 |
| LED Feature | No | Yes, lights up during tap-to-pay (one-time fee of ₹999, waived until May 31, 2026 for CheQ customers) |
| Customization | Allows cardholders to choose benefits/features for 90 days via AU 0101 app | Ecosystem-linked rewards card, managed via CheQ app |
| Welcome Benefit | No welcome benefits | Complimentary 3-month EazyDiner membership worth ₹695 |
| Rewards/Cashback | Up to 5% cashback on online shopping and dining, up to 10X reward points, 5% or 2% cashback on retail spending + 1 reward point per ₹100 spent | Up to 12% rewards on top brands, 5% on daily spends, 2.5% on UPI (via CheQ app using RuPay variant), 24 CheQ Points per ₹200 spent on CheQ Travel & Utility Bills, 5 CheQ points per INR 200 via CheQ UPI |
| Application Platform | AU 0101 app, AU Bank website, or branch visit | CheQ app (applications open from April 28, 2026) |
| Feature Validity | 90 days from activation (for chosen features) | Not applicable (standard card features) |
| Eligibility (Salaried Age) | 21 to 60 years | 21 to 60 years (standard for AU Bank cards) |
| Eligibility (Self-Employed Age) | 25 to 65 years | 25 to 65 years (standard for AU Bank cards) |
| Minimum CIBIL Score | 650 and above | 650 and above (standard for AU Bank cards) |
The AU LIT card focuses on flexible benefits for varied spending, while the CheQ AU card integrates a unique LED design with strong rewards for CheQ app users.
AU Bank Credit Cards: Other Options
AU Small Finance Bank offers a diverse portfolio of credit cards beyond the customizable LIT card, catering to various spending patterns and lifestyle needs. As of March 2026, AU Bank manages over 10 lakh active credit cards across India, demonstrating its significant presence in the market.
| Card Name | Key Feature | Target User |
|---|---|---|
| AU LIT Credit Card | Customizable benefits, Lifetime Free | General Z and Millennials, individuals seeking control over card features (shopping, travel, entertainment) |
| CheQ AU Credit Card | Co-branded, LED version available, Reversible annual fee on spends | Users of the CheQ app, individuals focused on credit management and maximizing rewards |
| ixigo AU Credit Card | 0% Forex Markup, Travel-focused | Frequent travelers, users who make international transactions |
| AU Zenith+ Credit Card | Premium lifestyle benefits, Metal card, Taj Epicure membership | Premium users who can justify high fees with extensive use of travel, lounge, dining, shopping, and lifestyle benefits |
| AU Zenith Credit Card | Premium travel benefits, Hotel, concierge, and forex benefits, Airport lounge access | Premium travel users, individuals seeking extensive travel and lifestyle privileges |
| AU Altura Plus Credit Card | Milestone gains, cashback, reward points, Railway lounge access | Users seeking numerous milestone benefits, cashback, and reward points on everyday spending |
| AU Altura Credit Card | Cashback, complimentary car liability cover, railway lounge access | Individuals looking for a card that suits their spending habits with additional benefits like cashback and lounge access |
| AU Vetta Credit Card | Reward points, LTF for government/MNC employees | Government or select MNC employees, individuals seeking a card positioned below Zenith/Zenith+ |
| AU Ananta Credit Card | Broader shopping, dining, and travel benefits | Users who want a full card for shopping, dining, and travel |
| AU Prathama Credit Card | Entry-level, simple first-card option | Individuals taking their first step into credit cards |
| AU NOMO Credit Card | FD-backed approval route | Users who need an FD-backed approval route for a credit card |
| AU Traverse NRI Credit Card | International spend focused | NRIs and international-spend-heavy users |
These options provide tailored benefits, from travel and premium lifestyle privileges to entry-level and FD-backed cards, ensuring a suitable choice for diverse financial needs.
Key Takeaways
- AU Bank offers 10+ credit card variants, including co-branded and premium options, beyond the LIT card.
- The CheQ AU Credit Card, launched April 15, 2026, is India’s first LED credit card with a reversible annual fee of ₹499.
- For international spending, the ixigo AU Credit Card features a 0% forex markup, targeting frequent travelers.
Explore the full range of AU Bank credit cards and their specific features to find the best fit for your financial profile at the official AU Small Finance Bank website.
Frequently Asked Questions (FAQs)
What is the AU Bank LIT Credit Card?
The AU Bank LIT Credit Card is India’s first customizable credit card, launched by AU Small Finance Bank. IT allows cardholders to select specific features and benefits based on their spending habits and lifestyle, paying only for the chosen options. This flexibility makes IT unique among credit cards available in India as of 2026.
What are the eligibility criteria for the AU Bank LIT Credit Card?
To be eligible for the AU LIT Credit Card, salaried applicants must be between 21 and 60 years old, while self-employed individuals need to be between 25 and 65 years. All applicants must be Indian residents. Specific income requirements are set by AU Small Finance Bank.
Is the AU Bank LIT Credit Card a lifetime free card?
Yes, the AU Bank LIT Credit Card is a lifetime-free card, meaning IT has no annual fees. Cardholders only pay a quarterly fee for the specific features they activate. This fee structure allows users to control costs based on their usage.
How do I choose and activate features on my AU LIT Credit Card?
You can choose and activate features for your AU LIT Credit Card through the AU 0101 mobile banking app. Features typically have a validity period of 90 days from activation. You can also disable auto-renewal of features after 7 days from activation via the app.
What kind of benefits can I customize with the AU LIT Credit Card?
The AU LIT Credit Card offers customizable benefits across categories like rewards, travel, and entertainment. You can select features such as accelerated reward points, cashback on specific spends, or lounge access. The available options are detailed on the AU 0101 app.
How many active credit cards does AU Small Finance Bank have in India?
As of March 2026, AU Small Finance Bank has over 10 lakh active and outstanding credit cards in India. The bank has rapidly expanded its card services since its inception. This makes IT a significant card issuer in the country.
Can I redeem reward points earned with the AU LIT Credit Card?
Yes, reward points earned with the AU LIT Credit Card can be redeemed for various benefits. The redemption options are available through the AU 0101 app or other specified channels. The value of points and redemption catalog are subject to change by AU Small Finance Bank.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.