AU Bank LIT Credit Card: Fees, Rewards & Real Value

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AU Bank LIT Credit Card Review

AU Small Finance Bank · Lifetime Free · Customisable feature packs

Our score: 8.0 / 10 (for the right user)
Annual fee: ₹0 — Lifetime Free
Feature packs from ₹49/quarter
Up to 10× Reward Points
“Save up to 7× what you pay for features”
Last reviewed: April 2026. Verified against the official AU Bank LIT product page (au.bank.in). The card is positioned as India’s first customisable credit card — the base card is lifetime free; you turn individual feature packs on/off via the AU 0101 app and pay only for what you use, starting from ₹49 per quarter. The feature catalogue and pricing have been refreshed since launch — this review reflects the current (April 2026) lineup.

TL;DR

The AU Small Finance Bank LIT (“Live It Today”) Credit Card is the only credit card in India that lets you switch individual benefits on and off through a mobile app and pay only for what you actually use. The base card is genuinely lifetime free — no joining fee, no annual fee. On top of that, you activate “feature packs” via the AU 0101 app starting at ₹49 per quarter (the Fuel Surcharge Waiver pack is the cheapest entry point). Other packs include up to 10× Reward Points on online + offline transactions, accelerated cashback on groceries / apparel, OTT bundles (3-month ZEE5 + Amazon Prime), milestone cashback (5% + 2% on retail spend at ₹199). And a ₹200 Amazon Pay e-gift voucher for ₹50. AU’s official headline is “Save up to 7× the amount you pay for features”, with up to ₹24,000 per quarter in benefits available across the full pack catalogue. The model rewards active management: switch packs on for the months you’ll use them, off when you won’t. If you want a fixed-fee, set-and-forget card, look elsewhere.

Pros & cons

What we like
  • Genuinely lifetime free base card — no joining fee, no annual fee, no hidden recurring charges if you don’t activate any packs
  • Pay-per-feature model is unique in India — turn benefits on / off month-to-month based on what’s relevant to your spending
  • Feature packs start at ₹49 per quarter (Fuel Surcharge Waiver is the headline ₹49 entry point)
  • Up to 10× Reward Points on online and offline retail transactions when the relevant pack is active
  • OTT entertainment pack: 3-month ZEE5 + Amazon Prime memberships
  • Milestone cashback pack: additional 5% + 2% cashback on retail spends, activated at ₹199
  • ₹200 Amazon Pay e-gift voucher for just ₹50 — instant 4× value if you’d shop on Amazon anyway
  • 1% fuel surcharge waiver on ₹400-₹5,000 transactions when the Fuel pack is on
  • Add-on cards available; both Salaried (21-60) and Self-Employed (25-65) eligibility
Watch out for
  • Active management required — if you forget to switch packs on/off you can either miss benefits or pay for unused features
  • Pack catalogue and pricing are revised periodically; always cross-check the live AU 0101 app before banking on a specific feature
  • Not a true premium card — no flagship lounge access, no concierge, no air accident cover bundled into the base card
  • Reward points are AU’s in-house RPs (verify current redemption rate in the AU 0101 app); no airline / hotel transfer partners
  • Pack benefits are typically capped (per quarter or per pack) — high-volume users may hit caps quickly
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