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AU Small Finance Bank · Visa

AU Bank LIT Credit Card

Customisable — switch on only the benefit categories you want each quarter

2.3/5
Best for people whose spending pattern changes through the year
At a glance
Joining fee
Nil
Annual fee
Lifetime free
Effective return
1.5%
Forex markup
3.49%
Lounge access
4 domestic · 0 international
Min. income
₹3,00,000/yr
Min. credit score
720+
Check your eligibility

On AU Small Finance Bank’s secure site. Checking eligibility is a soft enquiry.

Our verdict

The most interesting card structure in India. It rewards people who will actually log in each quarter and switch features — and quietly under-delivers for everyone else.

How we scored it

Credsir rating
2.3/5
Rewards
1.5
Fees
5.0
Perks
0.4
Accessibility
4.3

Rewards carry 40% of the weight, perks 25%, fees 20% and accessibility 15%. The score is computed from the fields above, not assigned. See the full method on our methodology page.

What works, what does not

What works
  • Genuinely modular — you pay only for the features you enable
  • Lifetime free base card
  • Useful for matching benefits to a travel-heavy or shopping-heavy quarter
What does not
  • Enabled features carry their own fees
  • Requires active management to extract value

The full cost

ChargeAmount
Joining feeNil
Annual feeNil
GST on annual fee (18%)Nil
Total annual costNil
Fee waiver thresholdNo waiver offered
Forex markup3.49% + GST on the markup
Fuel surcharge waiverYes, 1% (capped)
Finance charge if you revolveTypically 3.5%/month — about 42% a year

Data as of 15 Aug 2026Source: aubank.inPending issuer verification

Worth knowing.The 18% GST on the annual fee is the number most comparisons quietly omit. A ₹2,500 card actually costs ₹2,950 a year. Factor that in before deciding whether the rewards clear the bar.

Is the fee worth it for you?

Put in your actual spending. The calculator works out the net value after the fee and its GST — the number that decides whether this card pays you or costs you.

₹1,000₹50,000₹50 L
01.5%15
₹0₹2,500₹1 L
₹0₹2,500₹5 L
₹0₹0₹2 L
Net value per year (ongoing)
₹6,050
  • Rewards + perks75%
  • Fee25%
Annual spend
₹6,00,000
Rewards earned
₹9,000
Annual fee incl. 18% GST
₹2,950
Net value in year 1
₹8,550
Effective return on spend
1.01%
Monthly spend to break even
₹16,389

What this means.A genuine 1.01% return. Remember the GST on the annual fee — most comparisons forget it, and it is 18% on top of the sticker fee.

Compare with

Worth knowing.Effective reward rate is our own blended estimate for a typical spend mix — not the accelerated rate an issuer advertises on one category. Annual fees are shown before the 18% GST that is charged on top. Verify current terms on the issuer’s site before applying; card terms change without notice.