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AU Bank LIT Credit Card Review
The AU LIT credit card has a genuinely free base card, but lounge access, boosted rewards, and lifestyle memberships are optional 90-day 'feature baskets' priced separately from ₹49 to ₹499.
3.6
/5
Card24 Score
Rewards 3.5
Travel 3.2
Fees 3.8
Last reviewed July 2026 · Card24.ai editorial team
Base Fee
₹0 Joining & Annual Fee
Base Reward Rate
1 RP on ₹100 Spend
Lounge Access
2 Lounge Visits Quarterly
Credit Card Verdict- AU LIT
What we like
- The AU LIT credit card genuinely charges ₹0 joining and annual fee on the base card - you can hold it indefinitely without paying anything if you never activate a feature, which is a real advantage over cards that quietly require annual spend to stay fee-free.
- Since the au bank lit credit card lets you pay only for features you'll actually use, occasional travellers can activate lounge access just before a trip and switch it off afterward - a genuinely useful model for people who don't travel or shop the same way every month.
- Among the au bank lit credit card benefits, the entertainment basket stands out - a 3-month ZEE5 membership for around ₹99, or Amazon Prime for around ₹299, can be cheaper than subscribing directly, provided you meet the linked minimum spend condition.
- Everything on the au bank lit card is managed from a single app - activating, deactivating, and tracking every feature happens in the AU 0101 app, which keeps the customisation model genuinely simple to use rather than requiring separate portals or calls to customer care.
Watch out for
- The 'lifetime free' framing around the AU LIT credit card deserves scrutiny - while the base card has no annual fee, most of the benefits people actually want (lounge access, boosted rewards, cashback) require paying ₹49-₹499 every 90 days, which can add up to a meaningful recurring cost.
- Every activated feature on the lit au bank credit card auto-renews by default after 90 days - if you forget to switch off a lounge or cashback basket you no longer need, you'll be charged again automatically, so active management via the app is required to avoid waste.
- Lit credit card au bank pricing has been reported inconsistently across sources and over time - lounge access fees alone have ranged from ₹199 to ₹399 for the same single visit in different reports, so always check current pricing in the AU 0101 app before activating a feature.
- Lit credit card au bank pricing has been reported inconsistently across sources and over time - lounge access fees alone have ranged from ₹199 to ₹399 for the same single visit in different reports, so always check current pricing in the AU 0101 app before activating a feature. Base reward earning without any feature activated is a modest 1 Reward Point per ₹100 - noticeably lower than many free cards' standard rates, so the AU LIT card benefits only really compete with other cards once you're actively paying for the rewards-boost basket.
Card24.ai review of the AU LIT credit card is based on official au.bank.in data and verified aggregators as of July 2026. The base card has ₹0 annual fee, but feature-basket pricing (₹49-₹499/90 days) has varied across sources and time - this is not a simple 'free lounge access' card. Verify current lit credit card au bank pricing and terms in the AU 0101 app or at au.bank.in before applying.
Credit Card Achievers - AU LIT
Is the AU Bank LIT Credit Card Worth It in 2026?
The AU LIT credit card is worth having if your spending or travel habits are irregular - you genuinely pay ₹0 to hold the card, and only pay for lounge access, boosted cashback, or lifestyle memberships during the months you actually want them. For steady, predictable spenders, the customisation matters less, and you'll likely end up paying for features almost continuously anyway.
Beyond the base structure, the AU LIT credit card benefits span six categories - lounge access, cashback, boosted rewards, fuel surcharge waiver, entertainment memberships, and protection cover - each priced individually for a 90-day window and managed entirely through the AU 0101 app. This app-based, modular control is genuinely distinctive in the Indian credit card market, and works well for anyone comfortable actively managing their card rather than leaving everything on autopilot.
The catch is that AU LIT credit card charges can add up faster than expected if you forget to switch off features you no longer need, since everything auto-renews by default every 90 days. And base reward earning without any feature active is modest at just 1 Reward Point per ₹100 - so casual, low-engagement cardholders may find better everyday value on a simpler flat-rate card.
Beyond the base structure, the AU LIT credit card benefits span six categories - lounge access, cashback, boosted rewards, fuel surcharge waiver, entertainment memberships, and protection cover - each priced individually for a 90-day window and managed entirely through the AU 0101 app. This app-based, modular control is genuinely distinctive in the Indian credit card market, and works well for anyone comfortable actively managing their card rather than leaving everything on autopilot.
The catch is that AU LIT credit card charges can add up faster than expected if you forget to switch off features you no longer need, since everything auto-renews by default every 90 days. And base reward earning without any feature active is modest at just 1 Reward Point per ₹100 - so casual, low-engagement cardholders may find better everyday value on a simpler flat-rate card.
Best For: Irregular spenders and occasional travellers who'll actively manage features via the app, rather than a set-and-forget cardholder.
AU LIT Credit Card Benefits
How to Get Maximum Value from Your AU Bank LIT Credit Card
The entire value of the AU LIT credit card depends on discipline - activate the lounge or cashback basket only when you know you'll use it within the next 90 days. Activating features speculatively is how the 'lifetime free' card ends up costing more than a flat-fee alternative.
Every feature basket on the lit au bank credit card auto-renews after 90 days unless you manually turn it off in the AU 0101 app. Set a calendar reminder a few days before each 90-day cycle ends to review and deactivate anything you no longer need.
Since lounge visits are capped and priced per 90-day window, activate this basket only once your travel dates are confirmed, not speculatively ahead of a trip that might get postponed. This avoids paying for a 90-day window that goes mostly unused.
Entertainment memberships like ZEE5 and Amazon Prime carry minimum spend conditions - miss the ₹5,000 or ₹10,000 threshold in that 90-day window and you'll be charged a penalty on top of the activation fee. Only activate these if you're confident you'll hit the linked spend target anyway.
If you know a big shopping month is coming - festive sales, a large planned purchase - activate both the cashback and rewards-boost baskets on the AU LIT card together for that 90-day window, then switch them off once the high-spend period ends to avoid paying for unused capacity afterward.
Every feature basket on the lit au bank credit card auto-renews after 90 days unless you manually turn it off in the AU 0101 app. Set a calendar reminder a few days before each 90-day cycle ends to review and deactivate anything you no longer need.
Since lounge visits are capped and priced per 90-day window, activate this basket only once your travel dates are confirmed, not speculatively ahead of a trip that might get postponed. This avoids paying for a 90-day window that goes mostly unused.
Entertainment memberships like ZEE5 and Amazon Prime carry minimum spend conditions - miss the ₹5,000 or ₹10,000 threshold in that 90-day window and you'll be charged a penalty on top of the activation fee. Only activate these if you're confident you'll hit the linked spend target anyway.
If you know a big shopping month is coming - festive sales, a large planned purchase - activate both the cashback and rewards-boost baskets on the AU LIT card together for that 90-day window, then switch them off once the high-spend period ends to avoid paying for unused capacity afterward.
AU Bank LIT Credit Card Annual Fees
| Joining & Annual Membership Fee | Zero (currently, on the base card) |
| Feature Basket - Lounge Access | ≈ ₹399 per 90 days for 1 visit, capped at 2 visits/quarter |
| Earn Rate | 1 RP/₹100 base | Up to 5X-10X with rewards basket active |
AU LIT Credit Card Eligibility & Documents
Age 21- 60 years
Minimum annual income Good credit score recommended (typically 650 or higher)
Documents required PAN card · Aadhaar, Passport, Driving Licence or Voter ID · Income proof: salary slips
Residency Indian resident
Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.
How to Apply for AU LIT Credit Card
The application process is entirely online and takes about 5-7 minutes.
1
Application Process - Download the AU 0101 app from the Play Store or App Store, or visit au.bank.in and navigate to Credit Cards → LIT Credit Card
2
Fill Personal Details - Fill in personal, employment, and income details as part of the application form
3
Documents Required - Upload KYC documents: PAN, Aadhaar/Passport, income proof, address proof, and complete Video KYC if prompted
*T&C Apply
Frequently Asked Questions
The AU LIT credit card (also called the au bank lit credit card) is India's first customizable credit card from AU Small Finance Bank. LIT stands for 'Live It Today.' The base card has no joining or annual fee and earns 1 Reward Point per ₹100 by default. Cardholders can activate optional 'feature baskets' - lounge access, cashback, boosted rewards, fuel waiver, entertainment memberships, and protection cover.
The AU LIT credit card charges start at ₹0 for the base card - no joining or annual fee. However, each optional feature basket you activate is charged separately, roughly ₹49 for the fuel waiver up to ₹499 for entertainment memberships, per 90-day cycle. These fees auto-renew unless you manually deactivate the feature in the AU 0101 app, so your actual cost depends entirely on what you keep active.
Yes, but not by default. The AU LIT credit card lounge access is an optional feature basket you must activate via the AU 0101 app - it isn't included automatically like on some other cards. Once activated, it costs approximately ₹399 for 90 days and provides 1 domestic lounge visit, capped at 2 visits per quarter. There is no international lounge access reported for this card.
To complete an AU LIT credit card apply, download the AU 0101 app or visit au.bank.in, navigate to Credit Cards → LIT Credit Card, and click 'Apply Now'. Enter your PAN, mobile number, and date of birth for an eligibility pre-check, fill in your income details, and upload KYC documents. Once approved, activate the feature baskets you want directly in the app.
The base lit au bank credit card is genuinely free - ₹0 joining fee, ₹0 annual fee, no spend condition. But most of the benefits people actually want, like lounge access or boosted cashback, come from optional feature baskets priced separately at ₹49-₹499 per 90-day cycle. If you activate features continuously, your real annual cost can add up meaningfully despite the 'lifetime free' marketing.