About AU LIT Credit Card
The AU LIT Credit Card is designed for individuals who want a tailored credit experience. Cardholders can select features every 90 days through a dedicated app, choosing options that match their spending habits. Rewards include base points on all retail transactions and accelerated points or cashback on specific categories like groceries, travel, dining, electronics, and apparel.
Beyond rewards, the card provides complimentary benefits such as entertainment subscriptions, lounge access, and other lifestyle perks. While marketed as lifetime-free, activating multiple features involves small quarterly fees, which can accumulate over the year. Users need to carefully select benefits to maximize value without unnecessary costs.
AU LIT Credit Card Feature-wise Quarterly Fee
Reward Points and Benefits
Cardholders can earn accelerated reward points by paying a quarterly fee ranging from Rs. 199 to Rs. 299:
Online Transactions: 5X or 10X points on domestic and international online retail spends
Offline Transactions: 5X or 10X points on POS and contactless domestic and international purchases
Utility Payments: 1 point per Rs. 100 (up to 100 points per transaction)
Other Spends: 1 point per Rs. 100, including insurance payments
Maximum points earned per statement cycle are capped at 25,000 (excluding utility spends). Each reward point is worth Rs. 0.25 and can be redeemed via the card’s rewards catalogue. Transactions like fuel, rent, cash withdrawals, government or education payments, and quasi-cash do not earn points.
While the base reward rate is 0.25%, paying higher quarterly fees increases the effective reward rate—Rs. 398 per quarter gives 1.25%, and Rs. 598 per quarter gives 2.5% on all retail spends. To fully maximize rewards, annual fees may total around Rs. 2,400. Redemption value is modest, and rewards cannot be converted to statement cashback or airline miles.
Cashback Benefits
The card offers milestone and category-based cashback depending on the quarterly fee paid:
Milestone Cashback:
Up to 5% Cashback (Quarterly Fee Rs. 299): Earn 5% cashback up to 3 times in a 90-day period on retail spends, along with 1 reward point per Rs. 100. Requires minimum spends of Rs. 7,500, with a maximum cashback of Rs. 500 per 30 days.
Up to 2% Cashback (Quarterly Fee Rs. 199): Earn 2% cashback up to 3 times in a 90-day period, along with 1 reward point per Rs. 100. Requires minimum spends of Rs. 10,000, with a maximum cashback of Rs. 1,000 per 30 days.
Category-Based Cashback:
Additional 5% cashback on select categories like groceries, travel, dining, electronics, and apparel, in addition to standard reward points.
Maximum cashback per category is Rs. 1,000 over a 30-day period.
Note: Transactions such as fuel, rent, BBPS, quasi-cash, and cash withdrawals are excluded from cashback calculations.
AU LIT Credit Card Reward Points & Cashback Calculator
Monthly Value Back through AU LIT Credit Card
Let’s assume you have spent Rs. 50,000 in a month as per the below details:
Additional Benefits and Cost Analysis
Fuel Savings: Get a 1% waiver on fuel surcharge for transactions between Rs. 400 and Rs. 5,000.
Accelerated Rewards: A quarterly fee applies for earning 10X reward points—Rs. 299 for online spends and Rs. 299 for offline spends.
Example: If a cardholder spends Rs. 50,000 in a month using all available features (5% category cashback, milestone cashback, and 10X points), they could earn approximately Rs. 2,250 in cashback and Rs. 945 in reward points. However, the combined quarterly fees for these benefits could total around Rs. 3,000. While the card is marketed as lifetime-free, other cards offer competitive cashback at lower annual fees—for example, 5% on all online spends for an annual fee of Rs. 999.
Lifestyle Benefits
Cardholders can enjoy complimentary three-month memberships for popular entertainment and fitness services, including streaming platforms and wellness apps. Activation is done through the card’s dedicated app, where users receive a membership code.
Quarterly Fee: Rs. 99 – Rs. 499, depending on the selected benefits.
A penalty may apply if the minimum spend requirements are not met while using these lifestyle features.
The card provides complimentary memberships for Amazon Prime, ZEE5, and Cult Fit, making it an attractive offering for a lifetime-free card. If most of your spending is on the card, meeting the minimum threshold to activate these benefits is generally manageable.
However, a penalty applies if the required spending is not met. For example, opting for a quarterly Amazon Prime membership at Rs. 199 requires a minimum spend of Rs. 10,000. Falling short of this limit results in an additional penalty of Rs. 100. Since cardholders already pay a quarterly fee for the feature, penalties can reduce the overall value of the card.
Travel & Other Benefits
Lounge Access: Cardholders can enjoy up to four complimentary domestic airport lounge visits per quarter:
Fuel Surcharge Waiver: A 1% waiver applies on fuel transactions between Rs. 400 and Rs. 5,000, available for a quarterly fee of Rs. 49.
While lounge access is a valuable perk, it is chargeable and limited to a maximum of four visits per quarter, making frequent use difficult. The fuel surcharge waiver is a basic feature available on most entry-level cards, yet here it comes at a small quarterly fee. Therefore, if you already have a card with these benefits, this card may offer limited additional value.
How to maximize benefits through AU LIT Credit Card?
The AU LIT Credit Card provides benefits across multiple categories, but maximizing rewards in a single category requires activating all related features.
For example, if you want to get the most from offline grocery shopping, you would need to opt for:
5% cashback on grocery spends
5% milestone cashback (up to Rs. 500)
Accelerated 10X reward points on offline transactions
Assuming monthly grocery spends of Rs. 10,000, this combination allows you to achieve the highest possible savings and reward points for that category.
Assuming monthly offline grocery spending of Rs. 10,000 over a quarter, you could save up to Rs. 3,750 in total, after paying a quarterly fee of Rs. 897. However, consistently spending this much every month in a single category is uncommon, making it challenging for most users to fully maximize the card’s benefits.
Should You Get This Card?
The AU LIT Credit Card stands out for its customizable features, allowing cardholders to activate or deactivate benefits based on their lifestyle and budget. Each feature lasts for 90 days, after which you can either renew or switch them through the app. This flexibility is ideal for those who want rewards and cashback across multiple categories without paying for unused features.
However, the card’s quarterly fees can add up quickly. To fully maximize benefits, users might spend around Rs. 3,000 every 90 days, whereas other cards often provide multi-category benefits with simpler structures at lower annual costs.
Best for You If:
You want customizable benefits tailored to your spending habits
You want extra cashback alongside reward points
You spend frequently on everyday categories like groceries, dining, and travel
Consider Other Cards If:
You regularly pay utility bills via credit card
You prefer simpler cards without quarterly fees
You travel often and want strong travel-related perks
AU LIT Credit Card: Fees & Charges
Eligibility & Documentation
Steps to Close AU LIT Credit Card
Closing a credit card requires a few careful steps to make sure the account is properly terminated and no future charges occur. While many banks provide online options for cancellation, it is always recommended to formally notify the bank and follow the correct process before closing your credit card.
- Identify Your Reason for Cancellation:- Before cancelling the card, think about why you want to close it. Whether it is high annual charges, limited usage, or better alternatives, understanding your reason helps you make a well-planned decision.
- Verify Your Card Balance:- Check your latest statement and ensure the credit card has no outstanding dues. Any unpaid amount, including purchases, EMIs, or interest charges, must be cleared before the bank can process the closure.
- Use Remaining Rewards or Cashback:- If the card offers reward points, travel benefits, or cashback, make sure to use them before submitting a closure request. These benefits usually become invalid once the card account is closed.
- Review the Card Agreement:- Go through the card’s terms and conditions to understand if there are any charges, penalties, or specific procedures related to closing the credit card account.
- Stop Automatic or Recurring Payments:- Many people link subscriptions or bill payments to their credit cards. Cancel or update these automatic payments to another payment method before closing the card to avoid service disruptions.
- Contact the Credit Card Provider:- Reach out to the bank’s customer support team to request cancellation of the credit card. During this process, the bank may verify your identity and guide you through the necessary steps.
- Request Written Confirmation:- After submitting the request, ask the bank for written confirmation stating that the credit card account has been successfully closed. Keeping this record can help resolve any future disputes.
- Review Your Credit Report:- After a few months, check your credit report to confirm that the account status is updated as “Closed.” Monitoring your credit report helps ensure the closure has been processed correctly.
How to Close a Credit Card Without Hurting Your Credit Score
- Keep Other Card Balances Low:- Before closing a card, reduce the balances on your other credit cards. Maintaining low credit utilization helps protect your credit score.
- Choose the Right Time:- Avoid cancelling a credit card just before applying for a loan, home loan, or other credit product, as closing a card can temporarily impact your credit score.
- Maintain Active Credit Accounts:- Keeping other credit accounts active and well-managed helps maintain a strong credit history even after closing a card.
- Close Cards Gradually:- If you plan to cancel multiple credit cards, do it one at a time over a period instead of closing them all at once. This helps reduce any sudden impact on your credit profile.
AU LIT Credit Card Helpline Number
Customers of AU Small Finance Bank can contact the bank’s support team for assistance with banking services, account queries, or credit card related issues. The bank offers both toll-free and standard helpline numbers to help customers resolve their concerns.
Toll-Free Customer Care Numbers (24×7)
Customers can call the following toll-free helpline numbers anytime for support:
📞 1800 1200 1200
📞 1800 26 66677
These numbers are available round the clock for general inquiries, account information, card support, and other banking services.
Non-Toll-Free Customer Care Numbers
If you are unable to connect using the toll-free numbers, you may contact the bank through the following numbers. Standard call charges may apply depending on your telecom service provider.
📞 1860 1200 1200
📞 0141 – 7141000
📞 0141 – 6133000
📞 0141 – 3071800
Customer Care Email Support
Customers can also raise complaints or send service requests through email.
📧 customercare@aubank.in
NRI Customer Support
For customers living outside India, the bank provides a dedicated email for assistance.
📧 nriservices@aubank.in
By using these contact options, customers can get help with banking queries, report issues, request services, or submit complaints related to their accounts
