Route spending through LIT pages market configurable accelerated reward-point features up to 10X. Exact live combinations and pricing may change..
Earn 0.0× here — 0.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Lifetime-free · Cashback
AU SMALL FINANCE BANK · AU SMALL FINANCE BANK LIT CREDIT CARD
AU Small Finance Bank LIT Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹6,500 for a mid spender · travel
AU SMALL FINANCE BANK
Updated 17 Sep 2026 8 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is AU Small Finance Bank's.
MONTHLY INCOME ₹0.3L+ Salaried or self-employed
CREDIT SCORE 700+ Good band
AGE Adult Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹6,500 first-year net value · mid spender · travel
Category rewards ₹4,500
Welcome benefit· Welcome reward points ₹2,000
Net first-year value ₹6,500
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 0.25% back on eligible spends 1 pts 1 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 0.3% back
LIT pages market configurable accelerated reward-point features up to 10X. Exact live combinations and pricing may change. · 0.0%
Everything else (base) · 0.3%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time AU Small Finance Bank tweaks the program.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
2 domestic visits per year. Primary cardholder.
Welcome voucher
₹2,000 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How AU Small Finance Bank LIT Credit Card has changed.
Last verified 17 Sep 2026.
- Jan 2025 First major devaluation - reduced cashback caps for apparel category Maximum cashback for apparel spends reduced from ₹1,000 to ₹500 per 30-day cycle
- 2024 Enhanced feature pricing and benefit calculator introduction Better transparency in feature costs and benefits
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: AU card product page (official), AU Bank credit card documents hub (official), AU Bank credit card MITC (with Schedule of Charges) PDF (official), AU Bank credit card key fact statement / schedule of charges PDF (official), AU LIT card features page (official), AU LIT card terms and conditions page (official), AU credit cards hub FAQ page (official), au.bank.in (PDF). Next scheduled review: 17 Mar 2027.