AI Insights: Quick Facts
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ValueHigh
VerdictTop Tier
VerifiedYes
Rating4.8/5
124 verified reviews
Executive Summary: The AU Small Finance Bank LIT Credit Card by AU Small Finance Bank is a Rewards offering featuring 1% cashback. Key benefits include Customizable — pick 3 reward categories, Lifetime FREE — zero annual fee. Most suitable for users seeking Best for people whose spending...
AU Small Finance Bank
AU Small Finance Bank LIT Credit Card
Data Verified
Last checked: 1 Mar 2026Best for people whose spending patterns change — customize rewards monthly to match your current lifestyle.
India's first customizable credit card — choose 3 out of 9 benefit categories (fuel, travel, entertainment, dining, etc.) and get higher rewards only on what matters to you. Lifetime free with pay-what-you-use model.
CustomizableShoppingFuelDiningTravel
Annual Fee
FREE
Lifetime Free — no annual or renewal fee
Cashback
1%
Headline Rate
Forex Markup
3.5%
Standard Rate
Value Calculator
AI Powered
₹25,000
MinMax
Calculations are indicative based on the product's headline rates. Actual benefits may vary based on spend categories and credit profile.
Annual Savings
₹3,000
Based on your 1% cashback rate.
Expert Verdict
"AU LIT is genuinely innovative. Instead of fitting your spending to a card's reward structure, the card fits to YOUR spending. Pick 3 categories and get boosted rewards. Verdict: Customization at zero cost."
Key Privileges
Welcome BenefitInstant approval + pick your first 3 benefit categories
Fee WaiverLifetime Free — no annual or renewal fee
Interest Rate (APR)42%
Min. Income₹2.5 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score700
- Min. Income₹2.5 lakh per annum
- EmploymentSalaried/Self