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LIT Credit Card

India's First Customizable Credit Card

Now the power to choose is in your hands!

The LIT Credit Card, India’s first customizable card gives the freedom to build it just the way you like.

Whether it's selecting & changing features based on your lifestyle, switching features on/off, paying for the features you select or tracking and managing them on-the-go in real time, the LIT Credit Card makes sure you do nothing less than Live It Today!

Create Your Own Card with LIT Credit Card

Customize Benefits

Follow the steps given below to build your LIT Card

 
Scan to download AU 0101 App and start building LIT Card
 

Step 1: Start your LIT journey

 
Scan to download AU 0101 App and start building your LIT Credit Card today!
 
 
 

Step 2: Power to choose your Card features

 
Go to Credit Card Homepage and click on 'Manage Credit Card' to explore the available benefits and choose your favourites.
 
Choose your credit card features - LIT customized credit card - AU Bank
 
 
Choose your credit card pricing - LIT customized credit card - AU Bank
 

Step 3: Power to choose your Card pricing

 
Check the pricing of each feature and select the ones that suit your pocket and your lifestyle.
 
 
 

Step 4: Power to switch on/off features

 
Choose/modify benefits as your needs change. You can disable the auto renewal of any feature through AU 0101 App.
*Note: All benefits are applicable for 90 days with auto renewal enabled by default.
 
switch on/off credit card features - LIT customized credit card - AU Bank
 
 
Track your cashback, and rewards- LIT customized credit card - AU Bank
 

Step 5: Power to manage and track transparently

 
Manage and track your cashback, and rewards from existing active benefits.
 
 

Alternatively, you can also click here to start customising your LIT Credit Card

Shoppers’ Reward - Earn 5X/10X Reward Points

Shopping Gets Even More Rewarding!
 
Earn Reward Points as you shop and redeem them for exciting discounts and offers.
 
You are eligible for:
• 10X or 5X Reward Points on all online domestic & international retail transactions
• 10X or 5X Reward Points on all POS & Contactless offline domestic & international transactions
 
- Reward Points can be redeemed post statement generation.
- Cash withdrawal, Fuel and EMI transactions will not be eligible for Program/Base Reward Points.
- Fuel, rent, insurance and cash withdrawal transactions will not be eligible for Accelerated rewards i.e. 5X or 10X Reward Points.
 

Save More With Every Journey - Fuel Surcharge Waiver

Every rupee you save adds up!
 
Get a fuel surcharge waiver when you refuel with your LIT Credit Card.
 
You are eligible for:
• 1% fuel surcharge waiver on all transactions between INR 400 to INR 5,000

Shop Till You Drop - Milestone Cashback

‘Add-to cart’ and ‘check-out’ – because it’s time to move ahead with your wish lists!
 
Get cashback on your retail spends using your LIT Credit Card.
 
You are eligible for:
 
Additional 5% Cashback
• Earn 5% cashback 3 times over a 90 days’ period.
• 5% cashback for retail spends in addition to 1 Reward Point per INR 100 spent.
• Minimum retail spends of INR 7,500 & max. cashback of INR 500 over a 30 day period.
Additional 2% Cashback
• Earn 2% cashback 3 times over a 90 days’ period.
• 2% cashback for retail spends in addition to 1 Reward Point per INR 100 spent.
• Minimum retail spends of INR 10,000 & max. cashback of INR 1,000 over a 30 days period.
 
- Cashback will be adjusted against outstanding dues on the Credit Card.
- Fuel, rent, insurance and cash withdrawal transactions will not be considered for Cashback and milestone calculation.
 

Do More Everyday - Category Cashback

When it comes to your daily expenses, you can spend more to save more.
 
Earn cashback when you use your LIT Credit Card for groceries, dining, travel, electronics, and apparel.
 
You are eligible for:
• Additional 5% cashback for travel, dining, grocery, electronics, and apparel expenses in addition to 1 Reward Point per INR 100 spent.
• Max. cashback of INR 1,000 in each 30 days' period.
 
- Cashback will be adjusted against outstanding dues on the Card

Travellers’ Comfort - Airport Lounge Access

Hate long waits at airports?
Indulge in the comfort of Airport Lounges across India using your LIT Credit card.
 
You are eligible for:
• Up to 4 complimentary visits per quarter

Fun & Fitness - Memberships

Now you’ll never have a dull moment!
 
Your LIT Credit Card brings food delivery, fitness and entertainment right to your door!
 
You are eligible for 3 Month Membership of​:
• ZEE5 with 2,800+ blockbusters, 150+ web series, LIVE TV, Before TV, watch ad-free content on mobile, TV, Laptop, & Eduaurra competitive learning exams.
• Amazon Prime with unlimited free, fast delivery on eligible items, video streaming, ad-free music, free in-game content, exclusive access to deals & more.
• Cult pass Live subscription for at-home live workouts.
 
Please refer to the terms and conditions of all features.

Card Liability Cover

• In an unfortunate event of loss of Credit Card, you carry zero liability (up to INR 1,50,000 or your credit limit, whichever is lower) on any fraudulent transactions made with card after reporting the loss to the bank
• Also, you are protected against Card Counterfeit/Skimming and Online frauds.
 
Please click here to view detailed terms and conditions.
 
Credit Shield
up to Rs. 1.5 Lakhs.

Eligibility Criteria

- Primary cardholder between the age of 21 years and 60 years
- Add-on cardholder should be over 18 years
- Resident Indian
 
These criteria are only indicative. AU Bank reserves the right to approve or decline applications for Credit Card.

Fees & Charges applicable

Annual Card Membership fee – Life time Free