This is the same product on a different payment network. Everything on this page applies to both rails — the differences are below. Pick the rail you want; you apply for it directly with the bank.
Same lifetime-free modular packs, on RuPay - so it can be linked to UPI apps.
In-depth review
AU LIT Credit Card
India's most genuinely novel card — a fully modular, build-your-own-benefits product where you toggle features on and off each quarter via the AU 0101 app. For the engaged user who actively manages it, it extracts real, tailored value. For the set-and-forget majority, it quietly delivers one of the weakest default rates in the market. The 2024 devaluation shrank the menu it depends on. Get it only if you'll genuinely manage it.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
5% cashback at Active paid benefit pack
5% cashback on grocery spends ONLY with the grocery pack active (₹299 per 90 days; a similar ₹199 apparel pack exists), capped ₹500 per 30-day cycle; the base card earns 0.25%
10 points/₹100 on Online Shopping (~2.5% value)
10X reward points (10 per ₹100, ~2.5%) on online spends ONLY with the 10X online pack active (₹299 per 90 days), capped 10,000 points per statement cycle; the base card earns 0.25%
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
UPI Linked
Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.
For hands-on users whose spending shifts season to season and who will actively switch packs on and off to match it. A poor fit for anyone wanting a simple, automatic earn rate.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceriesonly at Active paid benefit pack | cashback | 5% | ₹500 |
| Online Shoppingonly at Active paid benefit pack | reward points | 2.5%10 pts/₹100 × ₹0.25 | ₹2,500one cap shared with Other |
| Other | reward points | 0.25%1 pts/₹100 × ₹0.25 | ₹2,500one cap shared with Online Shopping |
Groceries: 5% cashback on grocery spends ONLY with the grocery pack active (₹299 per 90 days; a similar ₹199 apparel pack exists), capped ₹500 per 30-day cycle; the base card earns 0.25% · Active paid benefit pack
Online Shopping: 10X reward points (10 per ₹100, ~2.5%) on online spends ONLY with the 10X online pack active (₹299 per 90 days), capped 10,000 points per statement cycle; the base card earns 0.25% · Active paid benefit pack
Other: Base earn is just 1 reward point per ₹100 (~0.25%) without an active pack, max 10,000 points per statement cycle
Earns nothing on: Cash Advances · EMI Conversions · Fuel · Rent · Education · Government & Tax · BBPS · Utility & telecom beyond 100 reward points per transaction
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Lifetime free |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.49% |
Should you get it?
- Best for: Everyday spenders, Online shoppers
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on everyday spends (0.25% back; 5% only at Active paid benefit pack).
Pros & cons
✓ Pros
- No joining or annual fee — lifetime free
- Simple, accessible entry/mid-tier card
- Can be linked to UPI for everyday payments
✕ Cons
- Reward caps may limit value for very high spenders
- Fewer premium travel and lifestyle perks
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
What your AU Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
The card only works if you actively manage it — passive holders get one of the weakest default earn rates in the market.
Frequently asked questions
How do I change benefit modules?
What modules are available?
Is there a fee for each module?
What if I forget to change modules?
Is LIT still available?
How has the AU LIT Credit Card changed over time?
Has the AU LIT Credit Card been devalued recently?
When did the AU LIT Credit Card's fees last change?
How did the AU LIT Credit Card change in 2026?
The bottom line
LIT is a clever idea executed well, but the value is entirely in active management: the lifetime-free base earns almost nothing, and the worthwhile rates and perks sit behind ₹49–₹399 quarterly pack fees. Run the packs deliberately and it can be excellent for the months you need them; ignore them and it is one of the weakest free cards you can hold.
How this page was built
Counted from this card’s own record: 3 earn rules, 3 of them capped, 2 paid only at named merchants and the spends listed as earning nothing.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the AU LIT Credit Card are taken from AU Small Finance Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for AU Small Finance Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Read more
Guides and reviews related to this card.
AU LIT Credit Card
India's most genuinely novel card — a fully modular, build-your-own-benefits product where you toggle features on and off each quarter via the AU 0101 app. For the engaged user who actively manages it, it extracts real, tailored value. For the set-and-forget majority, it quietly delivers one of the weakest default rates in the market. The 2024 devaluation shrank the menu it depends on. Get it only if you'll genuinely manage it.
AU Prathama Credit Card
A genuine ₹100 starter card built around one honest idea — rewarding the recurring payments and contactless spends of someone taking their first credit card. It earns modestly (1 point per ₹100 base, 2 points on contactless Tap & Pay and on spend above ₹5,000 a cycle), and hands out a one-time 500-point bonus per merchant when you first set up an auto-pay. Treat it as a credit-building tool, not a rewards engine: take it, build a repayment record, and upgrade when your spending grows.
AU Bank Vetta Credit Card
A competent mid-tier lifestyle card — 4X on groceries, quarterly milestone bonuses, a birthday bonus and lounge access — that does its job for existing AU customers without standing out against the big banks. The 2026 change putting lounge access behind a ₹50,000-quarterly-spend gate brings it in line with the market. Easy to recommend to AU customers; hard to recommend over the majors.
AU Tejas Credit Card
A deal-led entry card whose headline is flat 10% cashback at partner brands — movies, grocery and food delivery, cabs and bill payments — but only at those partners and only up to ₹250 a month. Off-partner spend drops to an ordinary points rate. The value is entirely a function of whether your apps match AU's partner list, so read that list and the caps before you apply.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2022 · last change Jul 2026
2026
- ▼ FeeEffective 1 Jul 2026
Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate
1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000→1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
From 1 July 2026 AU tightened its fuel fair-usage charge: the trigger dropped from ₹50,000 of aggregate fuel spend in a calendar month to ₹25,000 (or a single fuel transaction above ₹10,000), and the 1% charge is now levied on the entire aggregate fuel spend for the month rather than the portion above the threshold. Fair-usage charges do not apply to international transactions. The complimentary fuel-surcharge waiver bands are unchanged.
Verification: AU Small Finance Bank ↗ · Confidence: High
- ▼ FeeEffective 14 Jun 2026
New 1% fair-usage charge on transportation spends
No transportation fair-usage charge→1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower
From 14 June 2026 AU levies a 1% fair-usage charge when aggregate transportation spends (MCC 4111, 4112 and 4784 — local commuter transport, passenger rail and tolls) in a calendar month exceed 50% of the credit limit or ₹25,000, whichever is lower. The charge applies to the entire aggregate transportation spend for the month, not just the excess. IRCTC and select marquee travel partners are excluded, international transactions are out of scope, and AU exempts the ixigo AU co-brand variants entirely. This charge is separate from (and adds to) the April 2026 removal of reward-point earning on transportation MCCs.
Verification: AU Small Finance Bank ↗ · Confidence: High
- ▼ RewardEffective 10 Apr 2026
Transportation spends stop earning rewards
Transportation spends earned base/pack rewards→No rewards on transportation MCCs
From 10 April 2026 AU stopped awarding reward points on 11 transportation merchant categories (rail, transit, tolls and similar — MCCs 4011/4111/4112/4121/4131/4411/4582/4784/4789/5561/7523) across its credit-card portfolio, so LIT no longer earns its base 1 RP/₹100 rate or an active pack's accelerated rate on those spends. The same notice raised the airport-lounge quarterly spend-gate from ₹20,000 to ₹50,000 for cards that gate lounge access on spend; LIT's lounge pack is not spend-gated in our card-data, so that clause is noted here but not applied to this card. (Dating note, 2026-08-06: AU's own surfaces carry both 1 April and 10 April 2026 as the effective date of the transportation change, and the bank-wide revision PDF originally cited for it now serves a lounge-only notice at the same URL; both dates are disclosed rather than silently picking one.)
Verification: CardAdvisor Research · Confidence: High
2025
- ▼ MilestoneEffective 1 Apr 2025
Milestone cashback spend thresholds raised
5% bonus at ₹7,500 spend per 30-day cycle; 2% bonus at ₹10,000→5% bonus at ₹10,000 spend per 30-day cycle; 2% bonus at ₹15,000
AU raised the LIT's milestone-cashback qualifying-spend bars: the 5% bonus tier now needs ₹10,000 of spend (up from ₹7,500) and the 2% tier needs ₹15,000 (up from ₹10,000), making both bonuses harder to reach. ⚠ DATE DELIBERATELY KEPT at 2025-04-01 on 2026-08-16, unlike the three sibling events that were re-dated to 2024-12-17. Those three were REFUTED by AU's "LIT Product Guide 17Dec'24" because it already showed their post-change state. This one is the opposite: the same guide prices "Milestone Cashback — 5% Additional Cashback ₹299 … capped at ₹500 by spending minimum of ₹7,500 in a 30-day period" and "2% Additional Cashback ₹199 … capped at ₹1,000 by spending minimum of ₹10,000", i.e. exactly this event's BEFORE state. So the issuer document corroborates the direction and bounds the change to AFTER 17 Dec 2024, which is consistent with an April 2025 effective date. Do not re-date this one by analogy with its siblings. The after-state remains aggregator-sourced, hence confidence stays `reconstructed`.
Verification: CardAdvisor Research · Confidence: Reconstructed
- ▼ RewardEffective 15 Jan 2025
Category cashback cap halved to ₹500 a cycle
₹1,000 on each category in a 30-day period→₹500 on each of grocery and apparel in a 30-day period
The ceiling on the LIT's Category Cashback packs halved, and the two documents that bracket the change are both AU's own. The "LIT Product Guide 17Dec'24" prints "Max. Cashback of `1,000 on each of the categories in a 30-day period" immediately under the two pack prices — 5% Cashback on Grocery Spends 299, 5% Cashback on Apparel Spends 199 — so the ₹1,000 unambiguously belongs to Category Cashback and not to the separate Milestone pack. The LIT terms and conditions that superseded it, stamped "Last updated on 15th January, 2025" and still the live version today, print "Max. Cashback of INR 500 is applicable for 5% cashback on grocery and 5% cashback on apparel features for each 30 days cycle/period". At the unchanged 5% rate the pack therefore stops paying at ₹10,000 of category spend a cycle rather than ₹20,000, and the ₹299 grocery pack's best case falls from ₹3,000 to ₹1,500 per 90-day period against the same fee. Recorded 2026-08-16. An earlier pass withdrew this change as unproven because the 17 Dec 2024 guide sits inside the window it was claimed for and still showed ₹1,000, and because ₹500 is also the guide's cap on the Milestone pack — a genuine risk of merging two caps. Reading the 15 Jan 2025 terms settled it: the guide is simply the BEFORE state, and the cut is real.
Verification: AU Small Finance Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/au-lit#value-timeline">AU LIT Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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