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 · No-fee
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 2026-02-24 3 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.
HOW WE KEEP THIS CURRENT
Last verified 2026-02-24. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.