LIT Credit Card By AU Bank

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The AU LIT Credit Card is a premium, versatile financial instrument designed to adapt to your evolving needs. This unique product offers a tailored experience, aligning with your lifestyle preferences. Key features include a rewards program offering up to 10X points on select spending, complimentary premium memberships to OTT platforms and Cult.fit, and various cashback opportunities. Enhanced security features provide exceptional peace of mind. The card, offered with no annual fee, provides a range of benefits including personalized welcome gifts and a three-month complimentary OTT membership, ensuring exceptional value and versatility.

Features

  • Get a 1% fuel surcharge waiver on INR 400-5000 spending.
  • Upto 10X reward on online and offline spending.
  • Premium membership to OTT and Cult. Fit.

Welcome Offer

  • Customized based on the card selected 
  • Movies: 3 months complimentary membership to OTT
  • 4 complimentary domestic lounge access.

Card Fee

  • Annual Fee    Free 
  • Joining Fee     Free
  • Foreign Transaction Fee   3.49%*Applicable Taxes
  • Fraud Liability Credit shield cover Rs. 1.5 Lakh

AU Bank LIT Credit Card Eligibility Criteria

Minimum & Maximum age of the applicant

21-60 Years

Minimum monthly income

25000

ITR (For Non-Salaried Person)

500000

Minimum Credit Score

AU LIT Credit Card Card

Define Your Experience with AU LIT Credit Card: Customize, Personalise, Optimise.

Introducing the AU LIT Credit Card – India’s pioneering, fully customizable credit card designed to perfectly sync with your lifestyle. With AU LIT, you enjoy the power of choice, selecting only the required features, making it a personalized financial companion that evolves with your needs. One of the best all-purpose cards in India that can offer you every single service you wish for, this is just what you need.

Opt for high-yield reward schemes, cashback offers, or premium brand subscriptions according to your preference. Not confined to retail, the card offers exclusive cashback offers and complimentary airport lounge access for the avid traveller. The AU LIT Credit Card is more than a financial tool; it’s your key to a tailor-made financial experience, changing the credit card game from a one-size-fits-all solution to a personalised lifestyle enabler.

Moreover, this card provides complimentary memberships to renowned brands such as Zee5 and Amazon Prime. For the globetrotters, it extends enticing cashback offers and complimentary access to luxurious airport lounges. Simply choose your desired feature, pay, and indulge in the associated benefits and privileges.

Features & Benefits of AU LIT Credit Card

AU LIT Card is your passport to a world of premium privileges. Recognised as the best credit card in India, it offers many features tailored to your exclusive financial needs. Here’s a breakdown of all the benefits you will enjoy with the LIT card.

AU LIT Card Milestone Benefits

Embarking on a journey of exclusivity begins with a warm welcome. The AU LIT Card, a contender for the best rewards credit card in India, introduces you to a world where your financial aspirations take the front seat.

  • Download the App AU0101 and design a credit card that suits your exclusive financial needs.
  • INR 299 for 30 days: Receive 5% additional cashback with minimum spending of INR 7,500, up to INR 500 per month.
  • INR 199 for 30 days: Get 2% additional cashback with minimum spending of INR 10,000, up to INR 100 per month.

AU LIT Card Premium Membership Benefits

Step into a realm where entertainment and wellness converge. With the AU LIT Card, you’re not just holding a card; you’re holding the key to some of India’s best premium memberships.

  • INR 99 for 90 days: Secure a 3-month Zee5 membership (minimum spending of INR 5,000 required).
  • INR 199 for 90 days: Access a 3-month Amazon Prime membership (minimum spending of INR 10,000 required).
  • INR 499 for 90 days: Get a 3-month Cult.fit membership (minimum spending of INR 20,000 required).

AU LIT Card Additional Benefits

Peace of mind is invaluable. With the AU LIT Card, safeguarding your transactions becomes a priority, ensuring you experience the epitome of financial security in the bustling digital landscape of India.

  • In case of a card loss, carry zero liability on fraudulent transactions after reporting the loss to the bank. The cover is up to INR  1,50,000 or your credit limit. The lower amount is considered.
  • Protection against online fraud, card counterfeiting, and skimming.
  • A credit shield cover of up to INR  1.5 Lakhs.
  • Contactless card payment facility up to INR  5000.

Reward Benefits of AU Bank LIT Credit Card

India’s premium customisable credit card to match your needs at best is now here. With best AU bank credit card in India, you can get reward points and amazing cashback on every purchase. Here are the features you should know linked to rewards:

  • INR 299 for 90 days: Earn 10x reward points on all online and offline spending.
  • INR 199 for 90 days: Earn 5x reward points on all online and offline spending.
  • Points can be used after the statement is issued.

In addition to these reward-linked benefits, you should also be aware of the following limitations linked to the rewards:

  • Program and Base Reward Points exclude cash withdrawals, fuel, and EMI transactions.
  • Transactions involving fuel, rent, and cash withdrawals are not applicable for enhanced rewards such as 5X or 10X points.

Shopping Benefits of AU LIT Credit Card

When shopping meets luxury, every purchase feels like a celebration. As a top contender for the best credit card in India, the AU LIT Card ensures your retail therapy sessions are both delightful and beneficial.

  • INR 299 for 90 days: Enjoy 5% cashback on Grocery, Travel, Dining, Electronics, and Apparel spending, up to INR 1000 per month per category.

AU LIT Credit Card Travel Benefits

Every journey holds a story, and with the AU LIT Card, each tale is luxurious and convenient. Considered among the elite when discussing the best credit cards in India for travel, embark on adventures with unparalleled privileges.

  • INR 199 for 90 days: Gain 1 visit to domestic airport lounges in India.
  • INR 299 for 90 days: Gain 2 visits to domestic airport lounges in India.
  • INR 49 for 90 days: Avail a 1% fuel surcharge waiver on all transactions between INR 400 and INR 5000.

Fees & Charges for AU LIT Credit Card

Navigating the financial landscape with the AU LIT Credit Card is an experience punctuated by transparency and fairness. Users need to know the various fees associated with this premier card. Keeping the discerning customer in mind, every charge reflects the value and premium services offered, ensuring that cardholders are always in the know.

Cash Advance Limit: 2.5% or INR 100 (whichever is higher)

Over Limit Penalty: 2.5% or INR 500 (whichever is higher)

Minimum Repayment Amount: 5% or INR 100 (whichever is higher)

Late Payment Fees

  • Below or equal to ₹100: ₹0
  • From ₹100 to ₹500: ₹100
  • From ₹500 to ₹5000: ₹500
  • From ₹5000 to ₹10000: ₹700
  • From ₹10000 to ₹20000: ₹800
  • From ₹20000 to ₹50000: ₹900
  • Above ₹50000: ₹1100

Document Required for AU LIT Credit Card

To apply for the AU LIT Credit Card, the documents needed include proof of identity (PAN card, Passport, Driving License, Aadhaar card), proof of income (IT Return, latest pay slip, or Form 16), and proof of residence (Passport, electricity bill, or Ration Card).

Required Documents for AU Bank Credit Card

How to check AU LIT Credit Card Application Status

Visit the AU Bank website Official Website or call their customer service at 1800 1200 1200 or 1800 26 66677 to verify the status of your credit card application. To learn more about the status of your application, you can also stop by the nearest AU bank location.