AU Small Finance Bank

VISA

LIT

AU Small Finance Bank LIT

A lifetime-free card with no fixed reward table: cardholders activate individual 90-day paid add-ons in the AU 0101 app for cashback, accelerated points, or lounge access, and pay only for whichever features they choose that quarter.

fees-freecashbackfirst-timersgroceriesonline-shopping

Also available on RuPay

AU Small Finance Bank LIT is issued on more than one network — each has different rewards and lounge access.

AU Small Finance Bank
RuPay
LIT
RuPay variant
Only this RuPay variant can be linked to UPI apps (Google Pay, PhonePe, etc.), per RBI's rule permitting only RuPay credit cards to link with UPI. AU Bank's own LIT terms & conditions cover both networks under one document, confirming this isn't just a community rumor. Whether an existing Visa cardholder can convert to this RuPay variant is contested: some sources cite a ₹199+GST conversion fee, but a cited support-forum thread shows AU Bank stating conversion 'is not available at the moment' — treat switching as unconfirmed rather than a reliable option.

Last reviewed 14 July 2026

Fees

Joining fee

₹0

Annual fee

₹0

Waiver: No joining or annual/renewal fee for the life of the card, regardless of spend. However, almost every meaningful benefit (accelerated reward points, category cashback, lounge access, fuel surcharge waiver, OTT subscriptions) is an optional add-on that the cardholder must separately activate and pay for every 90 days via the AU 0101 app; the card is 'free' only in the sense that the base card itself carries no fee.

Eligibility

Min. CIBIL Score: 700+

Age: 21–65 yrs

Employment: salaried, self employed

Rewards

groceries5% cashback(cap ₹500 cashback/1mo)

online shopping5% cashback(cap ₹500 cashback/1mo)

all other10x points(cap 10,000 points/1mo)

Welcome benefits

• Visa network activation offer of a ₹300 Amazon Pay / Swiggy / Zomato voucher on the first transaction of at least ₹300. This is inconsistently reported: some aggregator pages list no welcome benefit at all for this card, so treat it as a promotional offer rather than a guaranteed benefit and confirm at application time.

Perks

✓Domestic lounge access: 4/yrNot automatic. The cardholder must activate a paid 'lounge access' feature for ₹399 per 90-day cycle in the AU 0101 app, which then grants domestic lounge visits within that window. cardinsider.com's dedicated LIT review states this as 1 complimentary visit per quarter (4/year if activated every quarter) — the figure used here; some other aggregator pages instead describe 2 visits per cycle (up to 8/year), so treat 4/year as the more conservatively-sourced number rather than a fully settled one. Unused visits do not carry over and the feature auto-renews unless cancelled.
✓Fuel surcharge waiver: 1%
✓Forex markup: 3.5%
✓Credit shield / zero-liability cover on fraudulent transactions, reported as up to ₹1.5 lakh across aggregator sources; not corroborated on an official AU Bank T&C PDF
✓India's first fully configurable credit card: cardholders log into the AU 0101 app each 90-day cycle and pick and pay for only the features they want (₹49-₹399 per feature per cycle) instead of getting a fixed, always-on benefit set
✓Without activating any paid feature, the base earn rate is a flat 1 reward point per ₹100 spent (roughly 0.25% back at the card's ₹0.25-per-point redemption value) on retail spend
✓1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 requires activating a separate ₹49-per-90-days feature; not automatic
✓Separate 'milestone' cashback add-ons: 5% extra cashback (capped ₹500) on ₹10,000+ spend in a 30-day window for ₹299/90 days, or 2% extra cashback (capped ₹1,000) on ₹15,000+ spend in a 30-day window for ₹199/90 days
✓Optional 3-month subscriptions to ZEE5 (~₹99) and Amazon Prime (~₹299) can also be activated as paid features
✓Reward points cannot be earned on fuel, rent, EMI conversions, cash withdrawals, education payments, government payments, or utility/BBPS bill payments
✓Reward redemption carries a reported ₹99 processing fee per request; redemption value is 1 point = ₹0.25
✓Sources disagree on the overall reward-points cap: some cite a maximum of 10,000 points per statement/billing cycle, others cite 25,000 points per billing cycle for redemption purposes; this record uses the more commonly cited 10,000-point figure for the accelerated-earning cap but the discrepancy is unresolved
✓A March 2025 revision ('devaluation') removed dining and electronics from the 5% category-cashback options, leaving grocery and apparel as the two paid cashback categories confirmed on current (2026) aggregator pages; older articles that still list travel, dining, or electronics cashback for this card describe a pre-revision version of the product and are not corroborated by current sources
✓Also issued on RuPay in addition to the primary Visa variant, per community/forum reporting; UPI linking is only possible on the RuPay variant
✓Add-on cards reported as free for up to 3 additional cardholders (single-source claim, not independently corroborated)

Common questions

What is the annual fee on the AU Small Finance Bank LIT?: The joining fee is ₹0. The annual fee is ₹0. No joining or annual/renewal fee for the life of the card, regardless of spend. However, almost every meaningful benefit (accelerated reward points, category cashback, lounge access, fuel surcharge waiver, OTT subscriptions) is an optional add-on that the cardholder must separately activate and pay for every 90 days via the AU 0101 app; the card is 'free' only in the sense that the base card itself carries no fee.
What are the reward rates on the AU Small Finance Bank LIT?: AU Small Finance Bank LIT earns 5% cashback on groceries, 5% cashback on online shopping, 10x points on all other spends.
Does the AU Small Finance Bank LIT offer airport lounge access?: Yes: 4 domestic lounge visits per year (Not automatic. The cardholder must activate a paid 'lounge access' feature for ₹399 per 90-day cycle in the AU 0101 app, which then grants domestic lounge visits within that window. cardinsider.com's dedicated LIT review states this as 1 complimentary visit per quarter (4/year if activated every quarter) — the figure used here; some other aggregator pages instead describe 2 visits per cycle (up to 8/year), so treat 4/year as the more conservatively-sourced number rather than a fully settled one. Unused visits do not carry over and the feature auto-renews unless cancelled.).
Who is eligible for the AU Small Finance Bank LIT?: Applicants typically need a CIBIL Score of 700+, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by AU Small Finance Bank and can vary by application.
Is the AU Small Finance Bank LIT available on other networks?: Yes, it's also issued on RuPay. Only this RuPay variant can be linked to UPI apps (Google Pay, PhonePe, etc.), per RBI's rule permitting only RuPay credit cards to link with UPI. AU Bank's own LIT terms & conditions cover both networks under one document, confirming this isn't just a community rumor. Whether an existing Visa cardholder can convert to this RuPay variant is contested: some sources cite a ₹199+GST conversion fee, but a cited support-forum thread shows AU Bank stating conversion 'is not available at the moment' — treat switching as unconfirmed rather than a reliable option.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Groceries

₹

5% cashback· cap ₹500 cashback/1mo

Online shopping

₹

5% cashback· cap ₹500 cashback/1mo

Everything else

₹

10x points· cap 10,000 points/1mo

Estimated annual value—

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Annual fee

₹4,500

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₹495

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Annual fee

₹0

Up to

10x points

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Fees

Joining fee

₹0

Annual fee

₹0

Rewards

groceries5% cashback(cap ₹500 cashback/1mo)

online shopping5% cashback(cap ₹500 cashback/1mo)

all other10x points(cap 10,000 points/1mo)

Welcome benefits

• Visa network activation offer of a ₹300 Amazon Pay / Swiggy / Zomato voucher on the first transaction of at least ₹300. This is inconsistently reported: some aggregator pages list no welcome benefit at all for this card, so treat it as a promotional offer rather than a guaranteed benefit and confirm at application time.

Perks

✓Domestic lounge access: 4/yrNot automatic. The cardholder must activate a paid 'lounge access' feature for ₹399 per 90-day cycle in the AU 0101 app, which then grants domestic lounge visits within that window. cardinsider.com's dedicated LIT review states this as 1 complimentary visit per quarter (4/year if activated every quarter) — the figure used here; some other aggregator pages instead describe 2 visits per cycle (up to 8/year), so treat 4/year as the more conservatively-sourced number rather than a fully settled one. Unused visits do not carry over and the feature auto-renews unless cancelled.

✓Fuel surcharge waiver: 1%

✓Forex markup: 3.5%

✓Credit shield / zero-liability cover on fraudulent transactions, reported as up to ₹1.5 lakh across aggregator sources; not corroborated on an official AU Bank T&C PDF

✓India's first fully configurable credit card: cardholders log into the AU 0101 app each 90-day cycle and pick and pay for only the features they want (₹49-₹399 per feature per cycle) instead of getting a fixed, always-on benefit set

✓Without activating any paid feature, the base earn rate is a flat 1 reward point per ₹100 spent (roughly 0.25% back at the card's ₹0.25-per-point redemption value) on retail spend

✓1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 requires activating a separate ₹49-per-90-days feature; not automatic

✓Separate 'milestone' cashback add-ons: 5% extra cashback (capped ₹500) on ₹10,000+ spend in a 30-day window for ₹299/90 days, or 2% extra cashback (capped ₹1,000) on ₹15,000+ spend in a 30-day window for ₹199/90 days

✓Optional 3-month subscriptions to ZEE5 (~₹99) and Amazon Prime (~₹299) can also be activated as paid features

✓Reward points cannot be earned on fuel, rent, EMI conversions, cash withdrawals, education payments, government payments, or utility/BBPS bill payments

✓Reward redemption carries a reported ₹99 processing fee per request; redemption value is 1 point = ₹0.25

✓Sources disagree on the overall reward-points cap: some cite a maximum of 10,000 points per statement/billing cycle, others cite 25,000 points per billing cycle for redemption purposes; this record uses the more commonly cited 10,000-point figure for the accelerated-earning cap but the discrepancy is unresolved

✓A March 2025 revision ('devaluation') removed dining and electronics from the 5% category-cashback options, leaving grocery and apparel as the two paid cashback categories confirmed on current (2026) aggregator pages; older articles that still list travel, dining, or electronics cashback for this card describe a pre-revision version of the product and are not corroborated by current sources

✓Also issued on RuPay in addition to the primary Visa variant, per community/forum reporting; UPI linking is only possible on the RuPay variant

✓Add-on cards reported as free for up to 3 additional cardholders (single-source claim, not independently corroborated)

Common questions

What is the annual fee on the AU Small Finance Bank LIT?

The joining fee is ₹0. The annual fee is ₹0. No joining or annual/renewal fee for the life of the card, regardless of spend. However, almost every meaningful benefit (accelerated reward points, category cashback, lounge access, fuel surcharge waiver, OTT subscriptions) is an optional add-on that the cardholder must separately activate and pay for every 90 days via the AU 0101 app; the card is 'free' only in the sense that the base card itself carries no fee.

What are the reward rates on the AU Small Finance Bank LIT?

AU Small Finance Bank LIT earns 5% cashback on groceries, 5% cashback on online shopping, 10x points on all other spends.

Does the AU Small Finance Bank LIT offer airport lounge access?

Yes: 4 domestic lounge visits per year (Not automatic. The cardholder must activate a paid 'lounge access' feature for ₹399 per 90-day cycle in the AU 0101 app, which then grants domestic lounge visits within that window. cardinsider.com's dedicated LIT review states this as 1 complimentary visit per quarter (4/year if activated every quarter) — the figure used here; some other aggregator pages instead describe 2 visits per cycle (up to 8/year), so treat 4/year as the more conservatively-sourced number rather than a fully settled one. Unused visits do not carry over and the feature auto-renews unless cancelled.).

Who is eligible for the AU Small Finance Bank LIT?

Applicants typically need a CIBIL Score of 700+, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by AU Small Finance Bank and can vary by application.

Is the AU Small Finance Bank LIT available on other networks?

Yes, it's also issued on RuPay. Only this RuPay variant can be linked to UPI apps (Google Pay, PhonePe, etc.), per RBI's rule permitting only RuPay credit cards to link with UPI. AU Bank's own LIT terms & conditions cover both networks under one document, confirming this isn't just a community rumor. Whether an existing Visa cardholder can convert to this RuPay variant is contested: some sources cite a ₹199+GST conversion fee, but a cited support-forum thread shows AU Bank stating conversion 'is not available at the moment' — treat switching as unconfirmed rather than a reliable option.

AU Small Finance Bank LIT

Also available on RuPay

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

You might also like

AU Small Finance Bank LIT

Also available on RuPay

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

You might also like