AU Bank LIT Credit Card: Benefit, Features, and Apply Online

The AU Bank LIT Credit Card is the first of its kind in India, coming with a customizable option whereby you can choose what matters most to you. Unlike other regular credit cards that have set benefits, myriad perks of LIT Credit Cards are allowed according to your lifestyle.

This innovative concept helps you avoid inflated charges for services that you may never utilize, and multiple cards are easier to handle with ease. With its features, the LIT Credit Card stands out by providing rewards and benefits tailored to your individual preferences. 

Personalize Your Credit Card Experience

AU 0101 App: The only one wherein you can personalize your card experience with the AU Bank LIT Credit Card. Choose the feature that you want for a bloc of 90 days and pay only for that particular feature. This level of personalization lets you tailor your cards’ benefits to suit your needs and changing preferences.

Reward Points and Cashback Offers

• Earn More on Spending: Earn 1 point per Rs. 100 spent, with boosted points on selected features.

• Cashback Benefits: Get cashback on your chosen features. 

Premium Memberships and Travel Perks

• Complimentary Memberships: Get free access to well known platforms like Zee5 and Amazon Prime.

• Travel Perks: If you travel often this card offers great cashback deals and entry to airport lounges to enhance your travel experience.

Fee Structure

• Joining Fee: No fee is required to start using the card.

• Renewal Fee: You can enjoy the advantages of the card without any extra charges since there is no fee for renewal.

Ideal For

The AU Bank LIT Credit Card is ideal for those seeking flexibility and customization in their credit card experience. It’s especially suited for.

• Fuel
• Shopping
• Travel
• Dining
• Movies

AU Bank LIT Credit Card: Quick Facts

The AU Bank LIT Credit Card stands out as the first card in India that can be completely tailored. You have the freedom to choose the features that are essential to you and cover the costs making it possible to customize the card according to your way of life.

#1. Key Perks

Streaming & Dining Benefits

• 3 months of free memberships to Zee5, Amazon Prime, and Cult.fit.
• 5% cashback on dining expenses.

Reward Points System

• 1 Reward Point per Rs. 100 spent on retail transactions.
• Up to 10X or 5X accelerated Reward Points for selected features.

Reward Redemption

• Redeem points for discounts and offers across various categories.

#2. Travel Benefits

• Domestic Airport Lounge Access
  Enjoy 2 free visits to domestic airport lounges each quarter, totaling up to 8 visits per year.

• International Lounge Access
  This card does not include access to international airport lounges.

#3. Cashback & Savings

Cashback Offers

• Get set to earn up to $5 in cashback on your eating, travel, and grocery bills. Plus, if you hit those spending goals you can snag 5 or 2 cashbacks on your retail shopping.

Fuel Surcharge Waiver

• 1% waiver on fuel transactions between Rs. 400 and Rs. 5,000.

#4. Charges

Foreign Currency Markup

• 3.49% on foreign currency transactions.

Interest Rates

• 3.49% monthly on outstanding balances.

Cash Advance Fee

• 2.5% of the transaction amount (minimum Rs. 100).

Rewards Redemption Fee

• No fee for redeeming reward points.

#5. Additional Information

• No golf or insurance benefits are included.
• Spend-based fee waiver is not available.

AU Bank LIT Credit Card Benefits

AU Small Finance Bank’s LIT Credit Card is the first in its category to allow one to choose and pay only for the features one wants. So go ahead and design your card with only the features you would want, without anything that you do not need. Give yourself a treat of privileges, each carefully crafted to make your experiences in travel and lifestyle shopping simply top-notch.

Flexible Feature Selection

The AU LIT Credit Card Take it to the next level with your choice of features that suit your taste and style. Individually priced, each feature is available for 90 days. You can choose and purchase features such as:

• Airport Lounge Access: Enjoy comfort with domestic lounge visits. Options include:

• One visit: ₹199 for 90 days
• Two visits: ₹299 for 90 days

• Membership Benefits: Access popular subscriptions with options such as:

• Zee5: ₹99 for 90 days (spend ₹5000 to avoid a ₹50 penalty)
• Amazon Prime: ₹199 for 90 days (spend ₹10,000 to avoid a ₹100 penalty)
• Cult.fit: ₹499 for 90 days (spend ₹20,000 to avoid a ₹200 penalty)

• Fuel Surcharge Waiver: Save on fuel transactions with:

• 1% waiver: ₹49 for 90 days

Cashback Opportunities

Earn cashback on your spending with targeted features:

• Milestone Cashback: Get additional cashback based on your spending:

• 5% cashback: ₹299 for 30 days, with a minimum spend of ₹7500
• 2% cashback: ₹199 for 30 days, with a minimum spend of ₹10,000

• Category-Specific Cashback: Benefit from cashback on various categories:

• 5% on groceries, travel, dining, and electronics: ₹299 for 90 days (up to ₹1000 per month)
• 5% on apparel: ₹199 for 90 days (up to ₹1000 per month)

Enhanced Reward Points

Boost your rewards with:

• 5X/10X Reward Points:

• Online Spends: 10X points for ₹299 or 5X points for ₹199, valid for 90 days
• Offline Spends: 10X points for ₹299 or 5X points for ₹199, valid for 90 days

Each reward point scheme excludes rent, cash withdrawals, and fuel transactions.

AU Bank LIT Credit Card: Earn and Redeem Reward Points

Every purchase made with the AU Bank LIT Credit Card is rewarded with something sweet. Earn reward points for your shopping activities and explore a range of redemption choices that align perfectly with your preferences.

Earning Reward Points:

Every Rs. 100 spent on retail transactions with the AU Bank LIT Credit Card earns you 1 reward point. Kindly be aware that cash withdrawals, EMI payments and fuel transactions do not add to the earning of reward points.

Redeeming Your Reward Points:

There are several ways to use the reward points that you have accrued on your AU Bank LIT Credit Card. There are several options accessible, whether you’re seeking for a luxury item or a trip experience:

• Exchange your points for a wide range of products.
• Transform your points into vouchers for popular brands.
• Utilise your points to book flights, hotels, buses or even movie tickets.
• Use points to top up your mobile and DTH services.
• Switch your reward points for miles on your next journey.
• Enjoy golfing sessions at courses across India by redeeming your points.

How to Select Your Preferred Benefits

Managing and redeeming your reward points is simple through the AU 0101 App. Follow these steps:

1. Open the app: Go to the Credit Card homepage by opening the AU 0101 App.
2. Manage Perks: Click on the ‘Manage Credit Card’ tab to see the range of benefits on offer. 
3. Make a Thoughtful Choice: Take a look at the cost associated with each benefit category and pick the one that aligns with your financial plan and personal tastes.
4. Modify as Needed: Customize the benefit to suit your needs and enjoy the flexibility of the LIT Credit Card.

AU Bank LIT Credit Card Application Requirements

If you’re considering applying for the AU Bank LIT Credit Card you must fulfil these eligibility criteria.

Age Criteria

• Primary Cardholder Age Requirement: Should fall within the range of 21 to 60 years.
• Secondary Cardholder Age Requirement: Needs to be a minimum of 18 years old.

Residency Status

• To apply for the card the applicant must be a resident of India.

Income Requirement

A stable source of income is essential, but AU Bank does not specify an exact minimum salary for eligibility.

Application Process for the AU Bank LIT Credit Card

You can conveniently apply for the AU Bank LIT Credit Card either online or offline. Below are the steps for both application methods:

1. Online Application Process

1. Visit the Official Website: Go to AU Bank’s website.Must be official.
2. Choose Your Card: Go to the menu, find the ‘Cards’ tab and select the ‘LIT Credit Card.’ 
3. Start the Application Process: Click “Apply Now” to begin the application process.
4. Fill out the form: Fill the form  with your information as needed and send in your application online.

2. Offline Application Process

If you prefer applying in person:

1. Visit a Branch: Head to the nearest AU Bank branch.
2. Request an Application: Ask for the credit card application form.
3. Document Submission: To start the process fill out the form add any required documents and hand them over to the bank personnel for review and handling.

Conclusion

The AU Bank LIT Credit Card is a standout choice for those seeking a flexible and tailored option that combines multiple benefits into one card. What sets it apart is its ability to let cardholders customize their perks according to their preferences at any given moment, offering a level of convenience. Additionally, the fact that this card comes with a lifetime fee adds to its appeal as there’s no pressure to keep it active if it’s not in use. With features such as reward points, cashback deals, fuel surcharge waivers, and lounge access the LIT Credit Card caters to the needs of today’s cardholders. This innovative offering positions itself as a strong competitor in the market even against similar products like the ICICI Bank Mine Credit Card.

FAQs