Is the AU LIT Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Grocery card
- No annual fee
- 0.25% on most spends; 5% only at partner merchants
- Pays in reward points
- groceries only at Active paid benefit pack: 5% back, up to ₹500 a month
- online shopping only at Active paid benefit pack: 2.5% back, up to ₹2,500 a month
- anyone who wants no annual fee, ever
- most of your spending is fuel, rent, education or government payments: those earn nothing on this card
- you rarely spend on Active paid benefit pack: the 5% rate applies only there, everything else earns 0.25%
- you often pay in foreign currency: 3.49% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: Base earn is just 1 reward point per ₹100 (~0.25%) without an active pack, max 10,000 points per statement cycle
Also earns nothing on: BBPS, Utility & telecom beyond 100 reward points per transaction.
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | 0.25% | No cap | The card's normal rate | - |
| Online shopping | 0.25% | No cap | Anywhere else in the category | - |
| Online shopping, only at listed merchants | 2.5% | ₹2,500 | Only at: Active paid benefit packTerms: 10X reward points (10 per ₹100, ~2.5%) on online spends ONLY with the 10X online pack active (₹299 per 90 days), capped 10,000 points per statement cycle; the base card earns 0.25% | - |
| Dining and food delivery | 0.25% | No cap | The card's normal rate | - |
| Groceries | 0.25% | No cap | Anywhere else in the category | - |
| Groceries, only at listed merchants | 5% | ₹500 | Only at: Active paid benefit packTerms: 5% cashback on grocery spends ONLY with the grocery pack active (₹299 per 90 days; a similar ₹199 apparel pack exists), capped ₹500 per 30-day cycle; the base card earns 0.25% | - |
| Travel: flights, hotels, trains | 0.25% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 0.25% | No cap | The card's normal rate | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | 0.25% | No cap | The card's normal rate | - |
| School and college fees | Earns nothing | - | earns nothing on this card | - |
| Wallet top-ups | 0.25% | No cap | The card's normal rate | - |
| Taxes and government payments | Earns nothing | - | earns nothing on this card | - |
| Spend abroad or in a foreign currency | 0.25% | No cap | The card's normal rate | - |
| Everything else | 0.25% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
