AU Bank LIT Credit Card
AU Bank LIT Credit Card
Customizable credit card via AU 0101 app
Up to 10X reward points on online spends (fee applies)
5X reward points on online spends for Rs. 199 quarterly fee
Personalized Match by CredHunt • credhunt.com
India's first customizable credit card where you pay only for the features you use with no joining or annual fees and base reward rate of 0.25% on every spend
Joining Fee
₹0
Annual Fee
₹0
Rating
5.0/5.0(0 reviews)
Key Features
Customizable credit card via AU 0101 app
Up to 10X reward points on online spends (fee applies)
5X reward points on online spends for Rs. 199 quarterly fee
5% additional cashback up to Rs. 500 monthly for Rs. 299 quarterly fee
Optional complimentary memberships (Zee5, Amazon Prime, Cult Fit)
Rewards Program
Base Rewards
Reward Type
Paytm Premium Cashback
Base Reward Rate
1% direct cashback on UPI spends across departmental stores, groceries, pharmacies, and supermarkets
Point Value
1 Kiwi = ₹0.25
Points Expiry
N/A
Bonus Rewards
Welcome Offer
Taj Experiences Signature Dining Voucher with cumulative spends of ₹15 lakhs in first 6 months
Accelerated Rewards
2X cashback on online spends
Card Benefits
Travel Benefits
6 visits per quarter (24 per year); after April 1, 2025 requires ₹1 lakh quarterly spend
4 domestic airport lounge visits per year (1 per quarter)
Dining & Entertainment
Exclusive dining privileges at select restaurants
4X Reward Points (4 RP per ₹100)
Lifestyle & Protection
Luxury brand offers
Lost card liability cover worth ₹5 lakh
N/A
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | 0.32 |
| Late Payment Fee | N/A |
| Fuel Surcharge | 1% fuel surcharge waiver of up to ₹250 per statement cycle (min ₹400 & max ₹5,000 transaction) |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Annual fee waived if spend ₹20,000 annually
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
PAN+Address
Expert Opinion
Excellent first credit card option that's secured by FD, ideal for building credit history and making UPI payments with cashback benefits
Customer Reviews
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