Overview
The AU Bank LIT Credit Card is a Mid credit card issued by AU Bank on the Visa network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).
Annual Fee: Lifetime Free
Eligibility: Age 21-60, Indian resident with stable income, CIBIL score ≥ 720.
Reward Rates & Cashback Rules
- ALL_ONLINE: 10.0% cashback | monthly cap ₹2500.0 ⚠️ This is an optional, fee-based feature activated via the AU 0101 app. Total points (base + accelerated) are capped at 10,000 per cycle. Not applicable on insurance and utility bills.
- CATEGORY – Retail: 10.0% cashback | monthly cap ₹2500.0 ⚠️ This rule applies to offline transactions. This is an optional, fee-based feature activated via the AU 0101 app. Total points (base + accelerated) are capped at 10,000 per cycle.
- ALL_ONLINE: 5.0% cashback | monthly cap ₹2500.0 ⚠️ This is an optional, fee-based feature activated via the AU 0101 app. Total points (base + accelerated) are capped at 10,000 per cycle. Not applicable on insurance and utility bills.
- CATEGORY – Retail: 5.0% cashback | monthly cap ₹2500.0 ⚠️ This rule applies to offline transactions. This is an optional, fee-based feature activated via the AU 0101 app. Total points (base + accelerated) are capped at 10,000 per cycle.
- CATEGORY – Fuel: 0.0% cashback ⚠️ No reward points on fuel transactions.
- CATEGORY – Rent: 0.0% cashback ⚠️ No reward points on rent payments.
- CATEGORY – Wallet Load: 0.0% cashback ⚠️ No reward points on wallet loading (quasi-cash) transactions.
- CATEGORY – EMI: 0.0% cashback ⚠️ No reward points on EMI transactions.
- CATEGORY – Education: 0.0% cashback ⚠️ No reward points on education service transactions.
- CATEGORY – Government Services: 0.0% cashback ⚠️ No reward points on government service transactions.
Key Features & Benefits
- Pay-Per-Feature Model ✨: The card is lifetime-free, and all benefits are optional paid features. Activate accelerated rewards, cashback, lounge access, and more for 90-day periods via the AU 0101 app.
- Optional Category Cashback 🛒: Activate 5% cashback on Groceries (fee ₹299/90 days) or Apparel (fee ₹199/90 days). Cashback is capped at ₹500 per category per 30 days.
- Optional Milestone Cashback 🎯: Activate features to earn 5% additional cashback (up to ₹500/30 days) on spending ₹7,500, or 2% additional cashback (up to ₹1,000/30 days) on spending ₹10,000.
- Airport Lounge Access ✈️: Activate 1 complimentary domestic lounge visit per 90-day period for a fee of ₹399.
- Fuel Surcharge Waiver ⛽: Activate a 1% fuel surcharge waiver for a fee of ₹49 per 90 days. Valid on transactions from ₹400 to ₹5,000, with a waiver cap of ₹1,500 per 90 days.
- OTT & Lifestyle Memberships 🎬: Activate 3-month memberships for Zee5 (fee ₹99) or Amazon Prime (fee ₹299), subject to minimum spend requirements to avoid penalties.