The AU LIT Credit Card flips the usual model. Instead of paying an annual fee for perks you may never use, the base card is lifetime free and you switch on features for 90 days at a time, paying a small fee only when a benefit is useful to you. Planning a trip? Add lounge access. Festival shopping? Add 5% cashback on electronics or apparel.
Features you can add
| Price (per 90 days) | What you get |
|---|---|
| ₹49 | 1% fuel surcharge waiver |
| ₹99 | 3-month Zee5 membership |
| ₹199 each | 1 domestic lounge visit a quarter; 2% extra cashback on milestone spends; 3-month Amazon Prime; 5X points on online and offline spends |
| ₹299 each | 2 domestic lounge visits; 5% extra cashback on milestones; 10X points on online and offline spends; 5% cashback on dining, grocery, travel, electronics or apparel |
| ₹499 | 3-month Cult.fit membership |
Good to know: each feature lasts 90 days and is charged separately. The offer does not list the base reward rate or point value, so check these on AU Bank’s site before deciding which add-ons are worth it.
Is a feature worth buying?
Take the ₹299 option for 5% cashback on grocery. Over 90 days, you need to spend about ₹6,000 on groceries to earn back ₹300, so it pays off if your household spends more than about ₹2,000 a month in that category. Do the same quick check before each add-on: if the benefit over 90 days is clearly larger than the fee, switch it on; otherwise, leave it off and the card costs you nothing.
The lounge add-on works the same way: if you are flying a couple of times in the next three months, ₹199 for a quarterly lounge visit can be cheaper than paying at the lounge.
Partner offers
- Croma: 5% instant discount on spends of ₹15,000+, once a month.
- EazyDiner: 15% off (min ₹2,500, max ₹500), once a month.
- Tata CLiQ: 15% off (min ₹500, max ₹300), once a month.
- Cleartrip: 15% off domestic and 10% off international flights, once a month.
- Movies: 20% off tickets (min ₹500, max ₹100), once a month.
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Free, for life |
| Optional features | ₹49 to ₹499 each, per 90 days |
Eligibility
| Age | 21 to 60 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹25,000 a month |
| Income (self-employed) | ITR above ₹6 lakh a year |
| Credit score | 750+, no delayed payments in the last 3 months |
| Existing card | Must hold a credit card from another bank |
| First credit card? | Not allowed |
Documents you will need
- Identity: valid PAN card
- KYC: Aadhaar and PAN for e-KYC
- Address: address proof
- Income: income proof, if you apply on an income basis
How to apply
- Tap Apply on AU Bank site on this page to open AU Bank’s website.
- Click Login/Join Now and verify your mobile number with an OTP.
- You will see the cards you are eligible for. Select AU LIT and fill in the required details.
- Complete e-KYC with your Aadhaar and PAN.
Who should get it, and who shouldn’t
Get it if you already have a credit card and want a free second card you can boost for specific trips, festivals or months of heavy spending.
Skip it if you prefer a set-and-forget card. Remembering to buy and renew features every 90 days takes effort, and a good fixed-rate cashback card may be simpler.
