AU Small Finance Bank has one credit card in our review set. The table below ranks it on effective return — a realistic blended reward rate, not the accelerated headline rate an issuer advertises on a single category.
AU Small Finance Bank cards compared
| Card | Annual fee | Effective return | Forex markup |
|---|---|---|---|
| AU Bank LIT Credit Card | Nil | 1.5% | 3.5% |
Updated 15 Aug 2026 · Issuer fee schedules and product pages.
Effective return is a realistic blended reward rate, not the accelerated headline rate that applies only to selected categories. Ranked by that figure, using a formula we publish.
What the LIT card actually is
The AU Bank LIT Credit Card is a Visa card with a lifetime-free base and a modular structure: you switch on only the benefit categories you want each quarter. Credsir’s verdict is that it is 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. Enabled features carry their own fees, so the “free” base card is only free if you leave it alone.
At a 1.5% effective return the card is a mid-table earner rather than a leader. If flat, predictable earning is what you want, compare it against the shortlist on best cashback credit cards before you apply.
Eligibility and the rest of the bank
The card asks for a minimum salaried income of ₹3,00,000 a year and a credit score of 720 or above. If you are near that line, the factors affecting a credit score are worth reading before an application adds a hard enquiry to your report. The bank’s other products sit on the AU Small Finance Bank page.
Terms change without notice. Confirm the current figures with AU Small Finance Bank before you act.