AU Small Finance Bank
AU LIT Credit Card
Data last verified: 11 October 2026
- Joining feeFree
- Annual feeFree
- Reward rate0.25% on most spends; 5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup3.49%
- Interest (APR)3.75% a month, 45% a year
LIT works like a menu. The card itself is lifetime free and earns a basic 0.25% in reward points. On top, you can switch on paid feature packs for 90 days at a time, such as 10X points on online or offline spends for Rs 299, 5X for Rs 199, 5% cashback on groceries or apparel, OTT memberships, or a domestic lounge visit for Rs 399.
Since there is no joining or annual fee, you only pay when a pack earns more than it costs. The 5% grocery cashback is capped at Rs 500 a month.
It suits people who like to tailor a card to a big purchase or a busy season. The honest catch is that without paid packs the card earns very little, and you must track which features are active. The forex fee is 3.49%.
Best for: People who want a free card with optional upgrades, Planned big-ticket buyers, Heavy grocery spenders who will buy a pack.
01AU LIT Credit Card Rewards and Benefits
02AU LIT Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.49%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0.25%₹50
- Back each month, ₹600 a year₹50
- In your pocket each year₹600
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- 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
Skip it if…
- 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
04Product Details
- Lifetime free, no joining or annual fee
- Base reward rate of about 0.25%
- 10X points on online or offline spends for ₹299 per 90 days
- 5% cashback on grocery with a paid pack, capped at ₹500 a month
- 1 domestic lounge visit for ₹399 per 90 days
- 3.49% forex markup
05Pros and Cons
Pros
- No fee to keep the card
- Pay only for features you actually use
- 5% grocery cashback is strong when active
Cons
- Only 0.25% value back without paid packs
- Packs last 90 days and must be renewed
- Even the lounge visit costs extra
- 3.49% forex fee
06How AU LIT Credit Card earns Rewards
0.25% on most spends; 5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base rate. Base earn is just 1 reward point per ₹100 (~0.25%) without an active pack, max 10,000 points per statement cycle
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
07AU LIT Credit Card Travel Benefits
Spending abroad carries a 3.49% forex markup; rewards on it: 0.25% back (the normal rate). See what it costs on your trip
08AU LIT Credit Card Eligibility and Documents
- Age
- 21 to 65 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Jul 2026 | Reduced: Fuel fair-usage terms tightened, trigger halved, levy on the whole aggregateSource: AU Small Finance Bank | 1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 | 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000 |
| 14 Jun 2026 | Reduced: New 1% fair-usage charge on transportation spendsSource: AU Small Finance Bank | No transportation fair-usage charge | 1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower |
| 10 Apr 2026 | Reduced: Transportation spends stop earning rewards | Transportation spends earned base/pack rewards | No rewards on transportation MCCs |
| 1 Apr 2025 | Reduced: Milestone cashback spend thresholds raised | 5% bonus at ₹7,500 spend per 30-day cycle; 2% bonus at ₹10,000 | 5% bonus at ₹10,000 spend per 30-day cycle; 2% bonus at ₹15,000 |
| 15 Jan 2025 | Reduced: Category cashback cap halved to ₹500 a cycleSource: AU Small Finance Bank | ₹1,000 on each category in a 30-day period | ₹500 on each of grocery and apparel in a 30-day period |
See this card's change history → · All card changes in July 2026 →
10Cards Similar to AU LIT Credit Card
AU LIT Credit Card is a grocery card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | AU LIT Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | ₹999 + GST | ₹499 + GST |
| Annual fee | Lifetime free | ₹999 + GST | ₹499 + GST |
| Rewards | 0.25% on most spends; 5% only at partner merchants | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.49% | 1.99% | 3.5% |
| Type | Grocery | Dining | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is the AU LIT card free?
Yes, the card is lifetime free. Some features are optional paid packs that last 90 days.
What does the grocery pack give?
5% cashback on grocery spends while the pack is active, capped at ₹500 a month.
Does it have lounge access?
Not for free. You can buy one domestic lounge visit for ₹399, valid for 90 days.
Who can apply?
Applicants aged 21 to 60 can apply, subject to AU Bank's checks.
What is the joining fee for the AU LIT Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the AU LIT Credit Card?
The annual fee is Free.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
