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AU Small Finance BankAU Small Finance BankLifetime Free

AU LIT Credit Card

4.33,000 reviewsCustomLTF
Welcome offerCustomizable
Annual fee
Lifetime Free
Reward rate
Selectable
Credit score
700+
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Free to apply via CardGuruji · subject to issuer approval

AU LIT Credit Card
VisaRuPay
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

Selectable

Turn on/off features for a fee

Reward currency
Custom
Card network
Visa · RuPay
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • First customizable card

  • Lifetime Free Base

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Flexible

  • LTF

What to watch out for

  • Paid features add up

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹0Lifetime free — no renewal charge

Other charges

Applied only when the situation arises

Balance transfer
1%
Foreign currency markup
3.5%
Late payment
₹1100
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.5%
Balance transfer
3.5%
Cash advance
3.5%
Eligibility

Will you qualify?

The credit profile this card is typically approved for.

700+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of AU Small Finance Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about AU LIT Credit Card

Everything you need to know about AU LIT Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for AU LIT Credit Card is nominal, and the annual renewal fee is Lifetime Free (₹0). Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for AU LIT Credit Card from AU Small Finance Bank, a CIBIL score of 700 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

AU LIT Credit Card is designed to reward everyday spends. It currently features: "Customizable". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via AU Small Finance Bank's rewards portal.

AU LIT Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.

You can apply for AU LIT Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.