Customisable
AU LIT Credit Card
A lifetime-free card you customise: switch on paid feature packs like 5% grocery cashback, 10X online points or lounge access for 90 days at a time.
Joining feeFree
Annual feeLifetime free
Fee waiverNot needed
Top rewardPacks you choose
LoungeOptional pack
Forex markup3.49%
Best for: People who want a free card and can predict where they will spend in the next 3 months.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Grocery cashback pack (₹299 for 90 days) | 5% cashback | ₹500 every 30 days |
| Apparel cashback pack (₹199 for 90 days) | 5% cashback | – |
| 10X online points pack (₹299 for 90 days) | 10 points per ₹100 (about 2.5%) | 10,000 points a cycle |
| Milestone cashback pack | 5% bonus at ₹10,000 spend in 30 days; 2% at ₹15,000 | – |
| All other spends (no pack) | 1 point per ₹100 (about 0.25%) | 10,000 points a cycle |
| Fuel, rent, education, government, BBPS, transport, EMI | Nothing | – |
- Packs are bought in the AU 0101 app and last 90 days.
- 1 point = ₹0.25; ₹99 + GST per redemption.
Benefits
Welcome benefit
- No welcome benefit.
Milestones
- Only through the paid milestone pack.
Travel and lounges
- Lounge pack: ₹399 per visit, up to 2 visits per 90 days.
Fuel and forex
- Forex markup 3.49%.
- 1% fee on fuel above ₹25,000 a month or any single fuel spend over ₹10,000.
Other perks
- Optional ZEE5 and Amazon Prime packs
- RuPay version works on UPI
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Lifetime free |
| Interest | 3.75% a month |
| Forex markup | 3.49% |
| Redemption fee | ₹99 + GST |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried: age 21 to 60
- Self-employed: age 25 to 65
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- No annual fee ever
- Pay only for features you use
- UPI on the RuPay version
Watch out for
- Base rewards are very low
- Packs cost money and have caps
- Redemption fee on points
Recent changes
- 1 Jul 2026Fuel fair-usage charge tightened.
- 10 Apr 2026Transport spends stop earning rewards.
- 15 Jan 2025Category cashback cap halved to ₹500 per 30 days.
Frequently asked questions
Is AU LIT really free?
Yes, there is no joining or annual fee. You only pay for the feature packs you switch on.
Ready to apply for the AU LIT Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
Apply nowSimilar cards
Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.