Why Choose AU Bank LIT Credit Card? The Ultimate Guide to Its Features and Benefits

Do you want a credit card that suits your lifestyle and needs?

Do you want to customize your credit card features according to your preferences?

Do you want to enjoy rewards, cashback, and privileges without paying any annual or renewal fee?

If you answered yes to any of these questions, then you should consider getting the AU Bank LIT Credit Card.

The AU Bank LIT Credit Card is India’s first customizable credit card that gives you the power to choose and change the features of your card as per your liking.

Whether you are looking for a card with shopping, travel, or entertainment benefits, the AU Bank LIT Credit Card lets you build it just the way you like.

In this article, I will show you why the AU Bank LIT Credit Card is the best choice for you and how you can apply for it online or offline.

How to Customize Your AU Bank LIT Credit Card ?

Customizing your AU Bank LIT Credit Card is easy and convenient. You can do it using the AU 0101 App or the website.

AU Bank LIT Credit Card

Here are the steps to customize your credit card:

  • Download the AU 0101 App from Google Play Store or Apple App Store and register with your mobile number and email ID.
  • Go to Credit Card Homepage and click on ‘Manage Credit Card’ to explore the available benefits and choose your favorites.
  • Check the pricing of each feature and select the ones that suit your pocket and your lifestyle. You can also see how much cashback and rewards you can earn with each feature.
  • Choose or modify benefits as your needs change. You can disable the auto-renewal of any feature through the AU 0101 App.
  • Manage and track your cashback and rewards from existing active benefits.

Alternatively, you can also visit https://www.aubank.in/personal-banking/credit-cards/lit-credit-card and scan the QR code to start customizing your credit card.

Some of the features you can choose from are:

  • Shopping Rewards: Get accelerated 10x or 5x Reward Points on all online and offline domestic and international transactions.
  • Milestone Cashback: Earn an additional 5% & 2% Cashback on retail spending of Rs. 10,000 & Rs. 20,000 per month respectively.
  • Fuel Surcharge Waiver: Earn 1% fuel surcharge waiver for transactions ranging from Rs. 400 to Rs. 5,000.
  • Category Cashback: Get extra 5% cashback for using AU Bank LIT Credit Card for travel, dining & groceries, along with one reward point for every Rs. 100 spent.
  • Airport Lounge Access: Get up to 4 complimentary lounge visits per quarter at domestic airports.
  • Memberships: Enjoy 3 Months of Free Membership of ZEE5, Amazon Prime, and Cult.fit.

You can use the keyword “customize” to find more features and benefits on the AU 0101 App or the website.

Features and Benefits of AU Bank LIT Credit Card

AU Bank LIT Credit Card

The AU Bank LIT Credit Card offers you a range of features and benefits that make it a smart choice for your wallet.

Here are some of the features and benefits of AU Bank LIT Credit Card:

  • Shopping Rewards: Earn up to 10x Reward Points on all online and offline transactions. You can redeem these points for gift vouchers, merchandise, or cashback. The more you shop, the more you earn.
    AU Bank LIT Credit Card
  • Milestone Cashback: Earn up to 7% Cashback on retail spending of Rs. 20,000 per month. You can get 5% cashback on spending Rs. 10,000 and an additional 2% cashback on spending Rs. 20,000. This means you can save up to Rs. 1,400 per month with this feature.
  • Fuel Surcharge Waiver: Save up to Rs. 150 per month on fuel surcharge. You can get 1% fuel surcharge waiver for transactions ranging from Rs. 400 to Rs. 5,000 at any petrol pump in India. This means you can save money on your fuel expenses every month.
  • Category Cashback: Earn up to 5% Cashback on travel, dining & groceries. You can get 5% cashback on these categories along with one reward point for every Rs. 100 spent. This means you can enjoy more savings and rewards on your everyday expenses.
  • Airport Lounge Access: Enjoy up to 4 free lounge visits per quarter at domestic airports. You can relax and unwind at the airport lounges with complimentary refreshments, Wi-Fi, and other amenities. This means you can travel in comfort and style with this feature.
  • Memberships: Enjoy 3 Months of Free Membership of ZEE5, Amazon Prime, and Cult.fit. You can access unlimited entertainment, free delivery, and fitness classes with these memberships. This means you can have more fun and wellness with this feature.
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With these features and benefits, you can save money, earn rewards, and enjoy privileges with your AU Bank LIT Credit Card.

Fees and Charges of AU Bank LIT Credit Card

One of the best things about the AU Bank LIT Credit Card is that it is a lifetime free credit card. That means you don’t have to pay any annual or renewal fee for using this card.

However, there are some other fees and charges that you should be aware of. Here are some of them:

Type of Fee / ChargeAmount
Cash Advance Limit20% of the credit limit
Charges on Revolving Credit3.49% per month (41.88% annually)
Cash Advance Charges2.5% of amount withdrawn, subject to a minimum of Rs. 100
Late Payment ChargesDepends on the total amount due / statement balance

You can find the complete list of fees and charges on the AU Bank website or the AU 0101 App.

How to Apply for AU Bank LIT Credit Card

If you are interested in getting the AU Bank LIT Credit Card, you need to meet the following eligibility criteria:

  • You should be an Indian resident
  • You should be between 21 and 60 years of age
  • You should have a good credit score and history

You also need to submit the following documents along with your application form:

  • Identity proof (PAN card, Aadhaar card, passport, etc.)
  • Address proof (Aadhaar card, passport, utility bill, etc.)
  • Income proof (salary slip, bank statement, IT return, etc.)

You can apply for the AU Bank LIT Credit Card online or offline.

To apply online, you can Click Below and fill in your details.

So, what are you waiting for?

Apply for the AU Bank LIT Credit Card today and enjoy the freedom to customize your card features and benefits according to your needs and preferences.

Or, Alternatively you can visit official website of AU LIT Credit Card https://www.aubank.in/personal-banking/credit-cards/lit-credit-card

To apply offline, you can visit any AU Bank branch near you and submit your application form and documents.

Conclusion

The AU Bank LIT Credit Card is a unique and innovative credit card that gives you the freedom to customize your features and benefits according to your needs and preferences.

With this card, you can enjoy rewards, cashback, and privileges without paying any annual or renewal fee.

You can also manage and track your features and benefits in real time through the AU 0101 App or the website.

If you are looking for a credit card that suits your lifestyle and needs, then you should choose the AU Bank LIT Credit Card.

To apply for this card, you can visit https://www.aubank.in/personal-banking/credit-cards/lit-credit-card or scan the QR code above.

Don’t miss this opportunity to get India’s first customizable credit card and live it today!

I hope this article has helped you understand why the AU Bank LIT Credit Card is the best choice for you. If you have any questions or feedback, please leave a comment below. I would love to hear from you.😊

FAQs

What is AU Bank LIT Credit Card?

AU Bank LIT Credit Card is India’s first customizable credit card by AU Small Finance Bank. You can select or change card features based on your lifestyle and usage or even switch them on/off in real-time.

What are the benefits of AU LIT Credit Card?

LIT Credit Card offers various benefits such as shopping rewards, milestone cashback, fuel surcharge waiver, category cashback, airport lounge access and memberships of ZEE5, Amazon Prime and Cult.fit.

How can I customize my AU LIT Credit Card? 

You can customize your LIT Credit Card by downloading the AU 0101 App and choosing the features that suit your needs and budget. You can also manage and track your cashback and rewards from the app.

What are the fees and charges of AU LIT Credit Card?

LIT Credit Card is a lifetime free credit card with no joining fee or renewal fee. The charges on revolving credit are 3.49% per month (41.88% annually) and the cash advance charges are 2.5% of the amount withdrawn, subject to a minimum of INR 100. The late payment charges vary depending on the total amount due.

Who can apply for AU LIT Credit Card?

Any Indian resident between the ages of 21 and 60 can apply for LIT Credit Card. You also get the flexibility to include add-on cardholders.

How can I apply for AU LIT Credit Card?

You can apply for LIT Credit Card by visiting the AU Small Finance Bank website and scanning the QR code to download the AU 0101 App. You can then fill in your details and submit your application online.

How can I contact AU Small Finance Bank for any queries or complaints regarding LIT Credit Card?

You can contact AU Small Finance Bank by calling their toll-free number 1800-1200-1200 or by emailing them at customercare@aubank.in. You can also visit their nearest branch or write to them at AU Small Finance Bank Limited, 19-A, Dhuleshwar Garden, Ajmer Road, Jaipur – 302001.

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