Does this card offer lounge access?

Yes. Cardholders can enjoy up to 2 complimentary domestic airport lounge visits per calendar quarter.

What benefits does this card provide?

The card offers a variety of benefits, including accelerated reward points up to 10X on select spends, up to 5% cashback with milestone rewards, complimentary lounge access, and lifestyle perks such as fitness and entertainment memberships.

What is the value of reward points?

Each reward point can be redeemed at a value of Rs. 0.25 through the card’s rewards catalogue.

Is this card available as a RuPay variant?

No, the card is not offered on the RuPay network.

What are the eligibility criteria?

Age: 21–60 years for salaried individuals; 25–65 years for self-employed applicantsResidency: Must be an Indian residentOther Conditions: Must meet internal eligibility policies set by the bank

AU LIT Credit Card - Credit EMI

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.

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:

Category	Monthly Spend (in Rs.)	Quarterly Fee (in Rs.)	Cashback (in Rs.)	10X Reward Points
Grocery	10,000	299	500	1,000
Travel	5,000	299	250	500
Dining	5,000	299	250	500
Fuel	5,000	49	50*	0
Apparel	8,000	199	400	800
Electronics	9,000	299	450	900
Other Retail Spends	8,000	299	400	80
Total	50,000	1,694 + 598**	2,250	3,780 = Rs. 945

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.

Benefit	Condition	Penalty
ZEE5 – 3 months	Min. spend of Rs. 5,000 in 90 days	Rs. 50
Amazon Prime – 3 months	Min. spend of Rs. 10,000 in 90 days	Rs. 100
Cult Fit – 3 months	Min. spend of Rs. 20,000 in 90 days	Rs. 200

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:

1 visit per quarter at a quarterly fee of Rs. 199 (maximum 4 visits)
2 visits per quarter at a quarterly fee of Rs. 299 (maximum 4 visits)

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.

Feature	Quarterly Fee (in Rs.)	Monthly Spend
10X rewards on offline spends	299	1000 RP = Rs. 250
5% cashback, up to Rs. 500 as milestone cashback	299	500
5% cashback on Grocery	299	500
Total	897	1,250

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

Type of Fees / Charges

Amount

Cash Advance Charges

2.5% amount withdrawn, subject to a maximum of 100

Cash Advance Limit

20% of the total credit limit

Late Payment Charges

For Statement Balance:
Less than or equal to Rs. 100	Nil
Above Rs. 100 & up to Rs. 500	Rs. 100
Above Rs. 500 & up to Rs. 5,000	Rs. 500
Above Rs. 5,000 & up to Rs. 10,000	Rs. 700
Above Rs. 10,000 & up to Rs. 20,000	Rs. 800
Above Rs. 20,000 & up to Rs. 50,000	Rs. 900
Above Rs. 50,000	Rs. 1,100

Eligibility & Documentation

Employment Type: Available for both salaried individuals and self-employed professionals
Age Requirement: Applicants must be between 21 and 60 years

AU LIT Credit Card