Looking for a credit card that lets you choose benefits according to your lifestyle? The AU LIT Credit Card is a customizable credit card from AU Small Finance Bank that allows eligible cardholders to select specific benefits by paying an applicable fee.

The card is promoted as a lifetime-free credit card, while selected customization benefits come with separate charges for a fixed validity period. Along with customization options, cardholders can also enjoy discounts on popular shopping, fashion, grocery and lifestyle platforms.

In this AU LIT Credit Card review, we will cover the card’s key benefits, customization options, charges, eligibility criteria, documents, partner offers, pros and cons, and frequently asked questions.

Important: Benefits, fees, offers and eligibility conditions can change. Always verify the latest terms and conditions with AU Small Finance Bank’s official website before applying.

AU LIT Credit Card Benefits

The biggest attraction of the AU LIT Credit Card is its customization feature. Instead of receiving a fixed set of benefits, eligible customers can choose benefits that match their spending habits.

Some of the key benefits include:

• Lifetime-free credit card offering
• Customizable benefits
• Flipkart discount
• Myntra discount
• Tata CLiQ discount
• Blinkit grocery discount
• Fuel surcharge waiver option
• Complimentary ZEE5 membership option
• Domestic airport lounge access
• Additional cashback on milestone spends
• Complimentary Amazon Prime membership option
• 5X reward points on online spends
• 10X reward points on offline spends
• Additional cashback on dining, grocery and travel
• Cult.fit membership option

The actual benefits available to you may depend on the customization option selected and the applicable fee.

AU LIT Credit Card Partner Discounts

Apart from the customizable benefits, the card provides several partner discounts that can be useful for regular online shoppers.

Partner	Offer
Flipkart	10% instant discount up to $1,000 on orders above $10,000
Myntra	Additional 10% off up to $1,000 on a minimum purchase of $3,999 on selected styles
Tata CLiQ	15% instant discount up to $300 per month on orders above $500
Blinkit	10% off up to $100 on grocery orders above $499

These offers can make the AU LIT Credit Card more attractive for customers who frequently shop online or order groceries.

Note: The above offer details are based on the information provided for this article. Check the latest offer terms, eligible products and validity before making a purchase.

AU LIT Credit Card Customization Options

The customization feature is one of the most interesting aspects of this card. You can select specific benefits by paying the applicable fee for a 90-day period.

₹49 for 90 Days

With this option, you can get:

• 1% fuel surcharge waiver on eligible fuel transactions.

₹99 for 90 Days

You can choose:

• Complimentary 3-month ZEE5 membership.

₹199 for 90 Days — Each Benefit

The available benefits include:

• 1 complimentary domestic airport lounge visit per quarter
• 2% additional cashback on achieving milestone spends
• Complimentary 3-month Amazon Prime membership
• 5X reward points on online spends

₹299 for 90 Days — Each Benefit

You can choose from benefits such as:

• 2 complimentary domestic airport lounge visits
• 5% additional cashback on achieving milestone spends
• 10X reward points on offline spends
• 5% additional cashback on dining
• 5% additional cashback on grocery
• 5% additional cashback on travel

₹499 for 90 Days

The benefit available under this option is:

• Complimentary 3-month Cult.fit membership

Because the customization benefits are charged separately and are valid for 90 days, customers should select options based on their actual spending patterns.

AU LIT Credit Card Charges & Fees

The AU LIT Credit Card is promoted as a lifetime-free credit card, which means the standard card itself is offered without a regular annual fee according to the information provided.

However, some optional benefits have separate customization charges.

Customization Fee	Validity	Benefit Examples
₹49	90 Days	1% fuel surcharge waiver
₹99	90 Days	3-month ZEE5 membership
₹199	90 Days	Lounge, milestone cashback, Amazon Prime, 5X online rewards
₹299	90 Days	Lounge, cashback and 10X offline rewards
₹499	90 Days	3-month Cult.fit membership

Is AU LIT Credit Card Really Lifetime Free?

Yes, based on the information provided, the AU LIT Credit Card is offered as a lifetime-free credit card. However, this should not be confused with the optional customization benefits.

If you choose paid benefits, you will have to pay the applicable fee for the selected benefit for its 90-day validity period.

Always check the latest fee schedule and card terms before applying.

AU LIT Credit Card Eligibility

To apply for the AU LIT Credit Card, applicants need to meet the specified eligibility requirements.

Basic Eligibility Criteria

• Employment: Salaried or self-employed
• Minimum monthly income: ₹25,000
• Age: 21 to 60 years
• Existing credit card: At least 6 months old
• Existing card limit: Minimum ₹30,000
• Payment history: No delayed payments in the last 12 months
• Credit score: 700 or above

Meeting these criteria does not guarantee approval. The final application decision may depend on the bank’s internal credit assessment and other applicable conditions.

Documents Required for AU LIT Credit Card

Applicants may need to provide the following documents:

• Valid PAN Card
• Aadhaar Card linked with a mobile number for e-KYC
• Address proof
• Income proof, where applicable, particularly if an income surrogate is used

Make sure your personal and KYC details are accurate and up to date before submitting your application.

AU LIT Credit Card Apply Online

If you want to apply for the AU LIT Credit Card, visit the official AU Small Finance Bank website and check whether the card is currently available to you.

Apply or learn more about AU Bank credit cards

Before applying, review:

1. Eligibility criteria
2. Current fees and charges
3. Customization benefit charges
4. Reward point terms
5. Cashback conditions
6. Lounge access rules
7. Partner discount terms
8. Latest card-specific terms and conditions

Suggested external DoFollow link: Link the phrase AU LIT Credit Card to the official AU Small Finance Bank credit card page, subject to your website’s SEO and linking policy.

AU LIT RuPay Credit Card Benefits

If a RuPay variant of the AU LIT Credit Card is available for your application, it may offer the convenience of the RuPay network, including compatibility with eligible UPI transactions.

However, the benefits and features of a RuPay variant may differ from other card variants. Before applying specifically for the AU LIT RuPay Credit Card, check the latest official product details to confirm:

• UPI functionality
• Reward points
• Cashback
• Lounge access
• Fees
• Transaction conditions
• Eligible offers

Do not assume that every benefit listed for one card variant automatically applies to another variant.

AU LIT Credit Card Review: Is It Worth It?

The AU LIT Credit Card has a unique approach compared with traditional credit cards. Instead of giving every customer the same set of benefits, it allows eligible users to customize their card according to their requirements.

For example, frequent travellers may prefer lounge access, while online shoppers may find 5X reward points more useful. Similarly, customers who regularly spend on dining, grocery or travel may prefer cashback-related benefits.

The main point to consider is the 90-day validity of paid customization benefits. You should calculate whether the value of the selected benefit is higher than the fee you pay.

Overall, the card may be worth considering if you want a lifetime-free credit card with flexible, optional benefits and can select customization options that match your actual spending habits.

AU LIT Credit Card Pros and Cons

Pros	Cons
Lifetime-free card offering	Many premium benefits require separate payment
Flexible customization options	Customization benefits are valid for only 90 days
Multiple partner discounts	Benefit terms and offers may change
Flipkart, Myntra, Tata CLiQ and Blinkit offers	Some benefits may require milestone spending
Choice of lounge access	Lounge access may have specific eligibility conditions
Option for additional cashback	Paid customization may not be worthwhile for low spenders
Option for bonus reward points	Rewards depend on selected benefit
Amazon Prime and ZEE5 membership options	Not all benefits are automatically included
Suitable for different spending patterns	Customers need to actively select benefits
Multiple lifestyle-focused benefits	Final approval depends on bank’s eligibility assessment

AU LIT Credit Card: Who Should Apply?

The card may be suitable for:

• Online shoppers
• Frequent travellers
• Customers who use airport lounges
• People who regularly spend on dining and groceries
• Customers looking for a lifetime-free credit card
• Users who prefer customizable credit card benefits
• Existing credit card users who meet the eligibility criteria

However, if you rarely use the selected benefits, paying customization fees every 90 days may not provide enough value.

AU LIT Credit Card Activation Requirement

According to the information provided, a minimum transaction of ₹100 is required within 30 days to activate the card.

Therefore, after receiving the card, make sure you complete the required transaction within the specified period to avoid activation-related issues.

Always confirm the latest activation rules with the bank because terms can change.

AU LIT Credit Card: Important Terms & Conditions

If you are applying through a promotional or affiliate campaign, the following information may be relevant:

• Tracking time: Up to 72 hours after Application ID generation
• Missing profit tickets: Accepted
• Confirmation timeline: Within 75 days of card activation
• Minimum transaction: ₹100 within 30 days to activate the card

These conditions appear to relate to the promotional/affiliate campaign rather than the standard cardholder benefits. Customers should refer to the applicable official terms for their application.

Frequently Asked Questions About AU LIT Credit Card

1. What is the AU LIT Credit Card?

The AU LIT Credit Card is a customizable credit card from AU Small Finance Bank that allows eligible customers to select additional benefits based on their spending preferences.

2. Is the AU LIT Credit Card lifetime free?

Based on the information provided, the card is offered as a lifetime-free credit card. However, selected customization benefits come with separate fees and are generally valid for 90 days.

3. What are the main AU LIT Credit Card benefits?

Key benefits include partner discounts, customization options, lounge access, cashback, bonus reward points and selected lifestyle memberships, depending on the benefit chosen.

4. What are the AU LIT Credit Card charges?

The optional customization charges mentioned are ₹49, ₹99, ₹199, ₹299 and ₹499, depending on the selected benefit. These benefits have a 90-day validity period.

5. Can I get airport lounge access with the AU LIT Credit Card?

Yes, lounge access is available as a customization benefit under the options provided. The exact number of visits depends on the benefit selected and applicable terms.

6. What is the minimum income required for AU LIT Credit Card eligibility?

The stated minimum monthly income requirement is ₹25,000 for salaried and self-employed applicants.

7. What credit score is required for the AU LIT Credit Card?

The stated eligibility criteria mention a credit score of 700 or above. Approval is still subject to the bank’s internal assessment.

8. Can I apply for the AU LIT Credit Card online?

Yes. You can check the latest availability and application process through the official AU Small Finance Bank credit card website.

9. Does the AU LIT Credit Card offer cashback?

Yes, certain customization options provide additional cashback on milestone spends and selected categories such as dining, grocery and travel.

10. Does AU LIT Credit Card offer reward points?

Yes. Depending on the selected customization benefit, customers may get 5X reward points on online spends or 10X reward points on offline spends, subject to applicable terms.

11. Is AU LIT Credit Card good for online shopping?

It can be a good option for eligible users who regularly shop online because of the listed partner discounts and the option to choose bonus reward points for online spending.

12. What documents are required to apply?

Generally, applicants may need a valid PAN Card, Aadhaar Card linked with a mobile number for e-KYC, address proof and income proof where applicable.