AU

AU Bank LIT Credit Card

Check AU Bank LIT Credit Card eligibility, income criteria, fees, reward/cashback rates, benefits and exclusions. Compare features and apply online.

ShoppingGrocery ShoppingTravel
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Issued by

AU

AU Bank LIT Credit Card image
Joining FeeFree
Annual FeeFree
Income₹25000
Credit Score720

Key Highlights

Shopping

Up to 10X Reward Points + 5% Cashback

on online & offline spends, and unlock milestone cashback on retail spends

Grocery Shopping

Earn 5% Cashback on Grocery Shopping up to ₹500

per 30 day cycle by activating the grocery cashback feature

Travel

Enjoy 2 Complimentary Airport Lounge Visits Every 90 Days

Add complimentary domestic airport lounge access for ₹399 per visit

Up to 10X Reward Points + 5% Cashback

on online & offline spends, and unlock milestone cashback on retail spends

Earn 5% Cashback on Grocery Shopping up to ₹500

per 30 day cycle by activating the grocery cashback feature

Eligibility

Age Criteria21-60

While bank has given this criteria. We recommend age criteria of 21-65 for salaried individuals for better conversion

Credit Score720

While bank has given this criteria. We recommend age criteria of 21-65 for salaried individuals for better conversion

Salaried Income₹3 LPA

While bank has given this criteria. We recommend age criteria of 21-65 for salaried individuals for better conversion

Self-employed Income₹3 LPA

While bank has given this criteria. We recommend age criteria of 21-65 for salaried individuals for better conversion

Employment TypeSalaried
New to CreditEligible

Fees & Waivers

Joining FeeFree

₹2000 Reward points worth ₹500 on card activation

Joining Fee OffsetNot Applicable
Annual FeeFree

₹2000 Reward points worth ₹500 on card activation

Annual Fee WaiverNot Applicable
Estimated Annual Saving₹8000

Rewards & Redemption

Reward Conversion1 reward point = ₹0.25
Redemption Options
  • Flights & Hotels booking
  • Gift Vouchers
  • Merchandies
Earning ExclusionsCash, Rent, Education & Govt, EMI, Fuel, BBPS, Transportation, Quasi-Cash Transactions
Spend ExclusionsCash, Rent, Education & Govt, EMI, Fuel, BBPS, Transportation, Quasi-Cash Transactions

Benefits

All Benefits

  • India’s first fully customisable, Lifetime Free credit card
  • Choose and pay only for the features you want (from ₹49 per 90 days)
  • up to 10X reward points, 5% category cashback on grocery & apparel, milestone cashback
  • airport lounge access, OTT subscriptions ZEE5, Amazon Prime and gift vouchers
  • Features can be switched on/off anytime via the AU 0101 App

Airport Lounge Benefits

  • 1 complimentary domestic airport lounge visit can be added as a feature for ₹399 per 90 days maximum 2 visits can be selected per 90-day period

Fuel Surcharge Waiver Benefits

  • 1% Fuel Surcharge Waiver on fuel transactions between ₹400 and ₹5,000 add for ₹49 per 90 days maximum waiver of ₹1,500 per 90-day feature period

Insurance Benefits

  • Financial security cover protecting against fraudulent transactions in case of loss of credit card, card counterfeit/skimming and online fraud 

Bank Offer

  • Category cashback 5% on grocery and 5% on apparel up to ₹500 each per 30-day cycle
  • milestone cashback additional 5% on min ₹10,000 spends and 2% on min ₹15,000 spends
  • 10X reward points; 3-month OTT subscriptions ZEE5 for ₹99 + GST, Amazon Prime for ₹299 + GST and a ₹200 Amazon Pay e-gift voucher add for ₹50

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
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