AU LIT Credit Card

About Credit Card

The AU LIT Credit Card from AU Small Finance Bank is a lifetime free card with customizable features via the AU 0101 app, allowing you to activate rewards for 90-day periods.

Key Features

Earn 1 reward point for every ₹100 spent on retail purchases (excludes fuel, rent, EMI, education, and cash withdrawals).
Activate accelerated rewards: 5X points for ₹199 or 10X points for ₹299 (90 days each) on online or offline spends (excludes rent, fuel, cash withdrawals).
Customizable options include 5% cashback on groceries (up to ₹1,000/month, ₹299/90 days), apparel (up to ₹500/month, ₹199/90 days), or milestones like 5% on retail (up to ₹500/month).

Benefits

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
1 complimentary domestic lounge access per quarter.
Complimentary memberships like ZEE5 and Amazon Prime; redeem points for vouchers, flights, hotels, or merchandise (1 point = ₹0.25).
Additional 5% cashback on select categories like travel, dining, and grocery after meeting spend targets.

Eligibility Criteria

Age Requirements

Primary cardholder must be 21-60 years old (salaried) or up to 65 years (self-employed in some cases).
Add-on cardholders should be 18 years or above.

Income Criteria

Salaried applicants need a minimum monthly net income of ₹25,000.
Self-employed applicants require an annual income of ₹6 lakhs or more.

Other Criteria

Must be an Indian resident or citizen.
CIBIL score of 650+ preferred; the bank may approve/decline based on the full profile.
Stable income source required.

How to Apply?

Online Application via AU 0101 App

Download the AU 0101 app from the official AU Bank website by scanning the barcode.
Go to the credit card section, select "Manage Credit Card," explore features/pricing, and submit your application with personal, income, and KYC details (like Aadhaar, PAN, and salary slips).
Verify via OTP and await approval; the bank will contact you if needed.

Application via Aggregator Sites

Visit sites like MyMoneyMantra.com or BankBazaar.com, select AU Bank > LIT Credit Card > "Apply Now."
Fill in name, mobile, email, employment, income (min. ₹25,000/month salaried), and verify OTP.
A representative calls to assist and complete the process.

Offline Application

Visit the nearest AU Small Finance Bank branch with KYC (Aadhaar/PAN), address proof, income proof, and photos to fill the form.

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