AU LIT Credit Card
Verified Official Data • Last updated 2026-07
Net Value Calculator
Drag sliders to estimate this card's annual value based on your actual spending habits.
Cashback mode values points as statement credit. Travel / airmiles mode uses the card's travel redemption value, so it only changes points cards; cashback cards stay the same.
Your monthly spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
AU LIT Credit Card
Effective annual fee: ₹0
Savings & Milestones Tracker
2.02%
Value Yield (Net / Spent)
₹12,105
Annual Net Value
Milestone Benefits
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Key Specifications
₹0
₹0
None
3.49%
Rewards Structure
Earn rates and reward configurations verified for 2026.
Applies to all non-excluded offline/misc categories
Category Earn Rates
5% cashback feature at Rs.149/quarter; max Rs.500 per 30-day cycle. Optional add-on.
5% cashback feature (optional add-on, separate fee). Max Rs.500 per 30-day cycle.
10X RP on online spends feature at Rs.199/quarter. Max 10,000 RP/statement cycle (base included).
Fuel, Cash withdrawal, Rent, Education & Govt, BBPS, EMI earn 0 RP. Utility/Telecom earns 1 RP/Rs.100 (max 100 RP/txn). Insurance earns 1 RP.
Milestone Benefits
Milestone cashback feature: 5% on retail spends Rs.10,000+/month (Rs.199/qtr add-on, max Rs.500/cycle)
Lounge Access
Additional Perks
Redemption & Expiry
Eligibility Requirements
Exclusion Honesty: This data has been verified against official bank publications. We include exclusions and point valuation friction factors to render honest net metrics in our calculations.
Official Specification Sheet
Comprehensive rules, fees, and parameters verified directly against issuer details.
| Feature | AU LIT Credit CardAU Small Finance Bank |
|---|---|
| Joining fee | Nil |
| Annual fee | Lifetime free |
| Fee waiver | — |
| Base reward | 1 pts / ₹100 |
| Top reward categories | 5x groceries, 5x dining, 10x online |
| Redemption friction | Moderate |
| Point expiry | 24 months |
| Lounge access | None⚠ Domestic lounge access available as paid feature (varies per quarter pricing). International lounge chargeable at up to USD 35/visit. |
| Forex markup | 3.49% |
| Fuel surcharge | 1% waiver, up to ₹500/mo |
| Min income · salaried | Not stated |
| Min income · self-employed | Not stated |
| Eligibility (as stated) | As specified by bank (entry-level) |
| Recent devaluations | None recorded |
| Verified against |
Detailed AU LIT Credit Card Credit Card Review & Spends Guide (2026)
The AU LIT Credit Card by AU Small Finance Bank is a prominent credit card in the Indian market, categorized under the entry tier. Offering a base rewards engine of 1 reward points per ₹100, this card targets users looking to optimize their personal finances.
When evaluating the real-world value of the AU LIT Credit Card, it's essential to look beyond the joining fee of ₹0 and annual fee of ₹0. With our real-time calculator above, you can map out your monthly category spends (online shopping, dining, travel, utilities, groceries, etc.) to see if you can trigger the spend-based annual fee waiver of N/A, which determines your true Net Annual Value (NTV).
Rewards Potential & Category Multipliers
For accelerated spenders, the AU LIT Credit Card features key reward multipliers:
- 5x on groceries spends (capped at ₹500/month).
- 5x on dining spends (capped at ₹500/month).
- 10x on online spends (uncapped).
- Exclusions: No rewards are earned on fuel, rent categories.
Lounge Access & Extra Perks
Perks add immense value that calculations often leave out. The AU LIT Credit Card offers:
- Domestic Lounges: No domestic lounge visits available.
- International Lounges: No international lounge visits available.
- Lounge Condition: Domestic lounge access available as paid feature (varies per quarter pricing). International lounge chargeable at up to USD 35/visit.
Points Redemption and Point Expiry
Earning points is only half the battle. Redemptions are subject to a friction index of 3/5 (representing Moderate/Portal redemption (3/5 friction)). Note: Redeem at rewardz.au.bank.in for vouchers, merchandise, travel. Rs.99+GST redemption fee. Min 200 pts. E-voucher value: Rs.0.20/pt.. Points are valid for 24 months.