What is the annual fee for AU LIT Credit Card?

AU LIT Credit Card is a lifetime free credit card.

What is the reward rate on AU LIT Credit Card?

AU LIT Credit Card offers 1% cashback on general spends. It also earns 1% on UPI payments.

Minimum income for AU LIT Credit Card?

Minimum income required is ₹1.8 lakh per year.

Overview

Rewards

Fees

Score

Verdict

Visa

AU Small Finance Bank

AU LIT Credit Card

India's first customisable card — build your own benefits

Annual Fee

FREE

Reward

1% cashback

GenieScore

45/100

Expert

3.9/5★

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About this Card

AU LIT Credit Card is genuinely innovative — the first credit card in India where you choose which benefits to activate. UPI cashback, OTT subscriptions, lounge access, insurance add-ons — all optional and toggleable via the app. Lifetime free for all applicants with low income requirements makes it highly accessible.

Key Features

🏆

India's first card with toggleable features — build your own card

✈️

Lifetime free for all applicants — no minimum income

💰

1% cashback on all UPI payments

🎁

Activate OTT, lounge, insurance benefits as add-ons

⚡

Best for fintech-first users wanting control

Pros

✓India's first card with toggleable features — activate what you need

✓Lifetime FREE for all applicants — no minimum income

✓1% cashback on all UPI payments as base benefit

✓Add OTT subscriptions, lounge access, insurance as optional premium add-ons

✓Low income eligibility — perfect for gig workers and part-time earners

Cons

✗Base cashback of 1% UPI is modest without add-ons

✗Premium add-on features cost extra monthly fee

✗Less straightforward than simple cashback cards

✗Reward structure can be confusing for first-time users

Quick Specs

💳Card TypeCashback

🌐NetworkVisa

💰Annual FeeLifetime Free

🎯Base Reward1% cashback

✈️LoungeNot included

📱UPI Rewards1% on UPI

🌍Forex3.5% + GST

⛽Fuel WaiverNot available

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Community Sentiment

POSITIVE

Positive

Apply Now on AU Small Finance Bank

AU LIT Credit Card Review 2026 — Rewards, Fees & Benefits | CardGenie | CardGenie