AU Bank LIT Credit Card
The AU LIT Credit Card is a card that you can get for free for life. With this card, you can pick the benefits that suit your lifestyle & how you spend money.
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AU Small Finance Bank
AU Bank LIT Credit Card
Top source-backed claims
Fuel: 1% fuel surcharge waiver on all transactions between ₹400 to ₹5,000.
reward rate: 0.25%
4 Free Lounge visits per 90 days.
Fees and waiver
Lifetime Free
Verify before applying
Check issuer terms for exclusions, caps, and updated eligibility before using any benefit claim.
Trust Snapshot
Source count: 3 · Review status: Reviewed · Last dataset refresh: 2 Jul 2026
Quick Decision Summary
This summary is generated from the current website fields to help you interpret the card faster.
What stands out
• High quality score (80) based on current website signals.
• No annual fee signal detected from the current dataset.
• Includes lounge-related benefits in the current card record.
• Backed by 3 sources in the current dataset.
Good fit if you want
• People who want a no-fee card and a simpler starting point.
• Travelers who value lounge access as part of card selection.
• People who prefer stronger source-backed confidence before deciding.
Tradeoffs to verify
• missing_eligibility
• missing_fees
• missing_rewards
Application links do not guarantee approval. Affiliate links are labeled, and issuer terms should be verified before applying.
Fees & Key Facts
Joining fee: Not specified
Annual fee: Rs. 0
Quality score: 80 (High)
Sources used: 3
Lifetime Free
Eligibility & Documentation
Not specified
Documents required
• Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other governme...
• Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account State...
• Proof of Income: Latest one or two salary slips (not more than three months old), latest Form 16, and the last 3 months’ bank statement.
Rewards
• reward rate: 0.25%
Benefits
• Fuel: 1% fuel surcharge waiver on all transactions between ₹400 to ₹5,000.
Features
Not available
Lounge Access
• 4 Free Lounge visits per 90 days.
Insurance
Not available
Pros
• Allows users to customize features. 5% cashback for retail spends. Avail credit shield coverage of up to ₹1.5 lakh. 1% fuel surcharge waiver.
Cons
• No concierge services are available other than card assistance. No reward points on Cash withdrawal, Fuel and EMI transactions. Charges ₹99 for reward redemption.
Source Links
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Best for: People who want lower fees without removing stronger card features entirely.
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Fuel: 1% fuel surcharge waiver for fuel transactions done between ₹400 and ₹5,000 across all fuel stations in the country.
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High quality score (90) based on current website signals.
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Best for: People who prefer stronger source-backed confidence before deciding.
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Fuel: 1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country (maximum ₹1,000 per statement cycle).
Earn 2,500 Bonus Reward Points on completing one retail transaction on your birthday.
High quality score (80) based on current website signals.
Fee details are incomplete or not clearly stated in the current dataset.
Fuel: 1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country (maximum ₹1,000 per statement cycle).
Fuel: 1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country (maximum ₹1,000 per statement cycle).
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AU LIT Credit Card: A Lifetime Free, Customizable Card
Best for: People willing to verify the source details directly before deciding.
Check source
Check source
1% (1 Reward Point per Rs. 100) on all retail spends.
Up to 10X reward points on online and offline spending depending on the selected feature.
Useful for comparison, but the current dataset does not show a standout signal yet.
This card has limited source coverage in the current dataset.
The AU LIT (Live It Today) Credit Card by AU Small Finance Bank is India’s first customisable credit card, allowing cardholders to select and change features according to their lifestyle. This lifetime free credit card offers accelerated rewards on online and offline spending, bonus cashback, lounge access benefits...