AU Small Finance LIT Credit Card Review 2026 — Fees, Rewards & Benefits

Rewards

India's first customisable credit card: the core card is lifetime free, and you switch on benefit packs — like 5% cashback or 10X rewards on chosen categories — for a small fee, typically for 90 days at a time.

Base rate (no packs)	1 reward point per ₹100 on eligible spends
Cashback pack (when active)	Around 5% on chosen categories, capped
Rewards pack (when active)	10X points on chosen categories

Features & benefits

Switch-on benefit packs

Enable features like 5% cashback or 10X rewards on selected categories from the AU 0101 app, typically for 90 days per activation fee.

Lifetime-free core

No joining or annual fee on the base card, regardless of which packs you use.

Cashback packs

Around 5% cashback packs on categories such as groceries or online shopping, with caps per the pack's terms.

Rewards multiplier packs

10X reward point packs on chosen merchants or categories during the active period.

Lounge access pack

Domestic lounge visits can be added as a paid feature when you have travel coming up.

Pros & cons

Pros

Core card is lifetime free with no renewal conditions
Turn benefits on and off from the app as your spending changes
Cashback and 10X reward packs can outperform fixed cards during heavy-spend months
Lounge access and other perks available as add-on packs when needed

Cons

Base rewards are weak with no packs enabled
Feature fees add up if you keep several packs on year-round
Smaller bank with a more limited service network than large issuers
Requires active management to extract good value

Fees & charges

Joining fee	Nil — lifetime free
Annual fee	Nil (individual feature packs carry their own charges)
Feature pack fees	Vary by pack, typically for 90-day activations
Interest rate	Around 3.59% per month (approx. 43.1% p.a.)
Forex markup	3.49% on international transactions
Late payment fee	Up to ₹1,100 depending on outstanding amount

Age	21 to 60 years
Income	Around ₹20,000+ per month, salaried or self-employed
Credit score	700+ recommended
Documents	PAN, address proof, and income proof (salary slips or ITR)

Age

21 to 60 years

Income

Around ₹20,000+ per month, salaried or self-employed

Credit score

700+ recommended

Documents

PAN, address proof, and income proof (salary slips or ITR)

In-depth review

Overview

The AU Small Finance Bank LIT card asks a question no other Indian card does: why pay all year for benefits you use two months out of twelve? The core card is lifetime free, and every meaningful benefit — 5% cashback packs, 10X reward multipliers, lounge access — is a switch you flip in the app and pay for only while it is on, typically in 90-day blocks.

Rewards and benefits

With no packs enabled, the LIT earns a token base rate and behaves like a plain free card. The value appears when you plan: switching on a cashback pack before festive-season shopping, or a lounge pack before a travel-heavy quarter, can beat what fixed cards deliver for those specific months. Caps apply within each pack, and the packs' own fees are the real price of the card — keep several running year-round and you have effectively bought an annual-fee card in instalments.

Fees and fine print

The base card carries no joining or annual fee and no waiver conditions to track. Interest runs around 3.59% per month and the forex markup about 3.49%, both unremarkable. As a small finance bank, AU's branch and service footprint is thinner than the big issuers', which matters if you prefer offline service.

Verdict

The LIT rewards exactly one kind of user: the planner who will actually toggle packs to match their spending calendar. For that person it is a clever, cheap tool and a fine second card. For anyone who wants benefits without homework, a fixed card like the IDFC FIRST Select or ICICI Amazon Pay delivers more value with zero management.

Similar cards

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