AU LIT Credit Card
KeepA lifetime-free card that earns 0.25% until you start buying rungs — India's only credit card you configure.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: None as such — LIT sells welcome-shaped extras as paid features instead, including a ₹200 Amazon Pay e-gift voucher for ₹50
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on travel and fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹0 gross (earn ₹0) against its ₹0 fee = ₹0 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
The take
LIT is not a card with benefits; it is a card with a shop. AU charges nothing to hold it — lifetime free, on the product page and in the bank's own FAQ — and out of the box it pays one reward point per ₹100, which is 0.25% at AU's ₹0.25 catalogue rate. Everything else is bought à la carte, in 90-day blocks, from a menu inside the AU 0101 app: ₹49 buys the fuel surcharge waiver, ₹199 buys milestone cashback, and there are rungs for 5X or 10X reward points on online or offline spend, 5% category cashback on groceries, apparel, dining or travel, domestic lounge visits, OTT memberships and a ₹200 Amazon Pay voucher for ₹50. Features start at ₹49 a quarter and AU claims up to ₹24,000 of benefit a quarter if you stack them. Two things decide whether that works for you. First, the caps are per feature and they are small — category cashback tops out at ₹500 in each 30-day cycle, milestone cashback the same, the fuel waiver at ₹1,500 per 90-day period. Second, features auto-renew by default and cannot be switched off inside their first 90 days, so an unused rung keeps billing until you go into the app and stop it. Get those right and LIT is the only card in India that lets a light spender pay for exactly the two benefits they use. Get them wrong and you are paying quarterly fees on a 0.25% card.
Your renewal — keep, downgrade or cancel
This card is lifetime free. There is no fee due, no renewal to weigh, and nothing to cancel to save.
Keep, downgrade or cancel
nothing due at the anniversary · 5 spend bands
The charge ₹0 — lifetime free
At your spend
₹600 a year at ₹3,00,000 of annual spend
₹1,100 a year at ₹6,00,000 of annual spend
₹2,200 a year at ₹12,00,000 of annual spend
₹6,700 a year at ₹36,00,000 of annual spend
₹11,100 a year at ₹60,00,000 of annual spend
Everyday earn plus milestones, with no fee to subtract — the same model as the value panel above, so the two cannot disagree. run your exact spend →
The downgrade
AU Small Finance Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 1 Apr 2026 AU stops paying reward points on transportation merchant codes issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Lifetime free — the fee block on AU's page says only 'Lifetime Free Credit Card'
- Features bought in 90-day blocks from ₹49: 5X/10X reward points, 5% category cashback, lounge visits, fuel-surcharge waiver, OTT memberships
- 1 reward point per ₹100 on base spend regardless of which features are on
- Ships on both Visa and RuPay, and the RuPay variant links to UPI
Watch out
- Features auto-renew by default and cannot be deactivated within 90 days of activation — you must switch off auto-renewal in the AU 0101 app
- 5X and 10X reward points are an optional paid add-on, not included in the lifetime-free fee — with every feature off the card earns 0.25%
- Feature caps are tight: ₹500 of category cashback and ₹500 of milestone cashback per 30-day cycle, ₹1,500 of fuel-surcharge waiver per 90-day period
- 10,000 reward points a statement cycle is the hard ceiling on base earn
- 3.49% forex markup — AU's standard band and no better than the Indian norm
- Cash, BBPS, EMI, fuel, rent, education and government spends earn nothing at all
- Switching between the Visa and RuPay variants forfeits the features you had bought on the old one
What these points actually fly
No live transfer route takes AU Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
14 sourced rules · 7 pay zero
LIT is AU's build-your-own card and its T&C is the most precise category grid any Indian issuer publishes — MCC-by-MCC, for the base rate AND for the paid 5X/10X features separately. Base is 1 RP/₹100 to 10,000 RP a statement cycle. AU bundles telecom INTO utilities (MCC 4812, 4814, 4899, 4900) and files insurance as 6300 and 5960, so the two rows below follow AU's own boundaries rather than this site's default MCC sets. Fee context comes from AU's MITC (last updated 7-Jul-2026), which charges fair-usage fees on fuel, utility, education, rent and — since 14-Jun-2026 — transportation.
- Fuel · excluded Zero RP on base AND on the paid 5X/10X features — AU names Fuel (MCC 5541, 5542, 5172, 5983) and Electric Vehicle Charging (5552) as "0 Reward points" in its own grid. The Fuel Surcharge Waiver is a separately PURCHASED feature on this card: opt in and transactions of ₹400–₹5,000 qualify, to ₹1,500 of waiver per 90-day feature period. AU's MITC also levies 1% fair-usage on fuel past 50% of the credit limit or ₹50,000 a month, and from 1-Jul-2026 on any single fuel transaction above ₹10,000 or aggregate above ₹25,000 a month
- Rent & property management · excluded Zero RP on base and on 5X/10X — "Rent transactions | 6513 | 0 Reward points" in AU's grid. AU's MITC charges a 1% transaction fee (minimum ₹99) on domestic rent; international rent is free of the fee
- Wallet loads · excluded Zero RP — AU's grid excludes "Cash withdrawal and Quasi Cash" (MCC 6010, 6011, 6050) from both base and accelerated earning, and wallet loads settle as quasi-cash
- Utilities (electricity/water/gas) · capped 1 Reward Point per ₹100, capped at 100 RP per TRANSACTION — so a bill above ₹10,000 earns nothing on the excess — and utilities never reach the 5X or 10X rungs even when the feature is bought. AU defines the category as MCC 4812, 4814, 4899 and 4900. 1% fair-usage fee past ₹50,000 of utility spend a month (MITC)
per AU Small Finance Bank T&C · rank every card by spend category →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
per the official AU Small Finance Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
2 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Lifetime free, and the only Indian credit card whose benefits are bought à la carte: features are sold in 90-day blocks from ₹49, auto-renew by default and cannot be switched off inside their first 90 days. Base earn with every feature OFF is 1 Reward Point per ₹100, ceilinged at 10,000 RP a statement cycle; cash withdrawal 6010/6011, BBPS, EMI, fuel 5172/5541/5542/5552/5983, rent 6513 and education and government MCCs earn nothing, and utility and telecom cap at 100 RP a transaction. Feature caps: ₹500 of category cashback and ₹500 of milestone cashback per 30-day cycle, ₹1,500 of fuel-surcharge waiver per 90-day feature period. The lounge feature is DOMESTIC only — an overseas visit is billed up to USD 35. Switching between the LIT Visa and LIT RuPay variants forfeits the features bought on the old one.
per the official AU Small Finance Bank MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 7 Jul 2026AU makes the CheQ AU card lifetime free, dropping ₹499 joining and ₹499 renewal"CheQ AU — Joining Fee ₹499 & Renewal Fee ₹499"; the LED variant "Joining Fee ₹1499 & Renewal Fee ₹499"; renewal waived by spending ₹3,00,000 in a year. → "CheQ AU Credit Card — Lifetime free (₹999 + GST one-time fee applicable for LED Card only)." CheQ no longer appears in the fee-waiver block at all, because there is no fee left to waive.
Caught as live drift on 24 August 2026 and dated to the document that carries it: AU's bank-wide MITC and Schedule of Charges, version 2.21, "Last updated on 7th July'2026". The previous edition — version 2.19, 16 May 2026, still served from a different path on AU's own site — prints the old numbers in the same table, which is what makes this a change and not a reading error. AU announced nothing. A ₹499 card becoming lifetime free is a real buff and the direction is worth naming, but price it honestly, because the fee was never the problem with this card. AU advertises the CheQ AU rungs as percentages — 12% on CheQ Travel and utility bills, 5% on online shopping, 1% on everything — and every one of those headlines is exactly double what it returns, because AU prints the POINT count with a percent sign and a CheQ Point is worth ₹0.50 at AU's own published redemption rates. The base rung AU calls "1%" pays 0.5%. Removing ₹499 a year from a card that returns half what its own page claims makes it a better free card, not a good one — and the earn still lands in a CheQ app account rather than on your statement, and expires two years from credit. ONE READING TRAP, since a later lane will hit it: three editions of this MITC sit at four URLs on au.bank.in, two of them differing only in filename case and punctuation, eight months apart. Only /credit-cards/mitc(with-schedule-of-charges).pdf serves v2.21. A drift check run against any of the others is a drift check against a stale table.
- 6 May 2026AU relaunches its card range — Ananta tops a new four-card deck
- 10 Apr 2026AU more than doubles its domestic-lounge spend gate to ₹50,000/quarter
- 1 Apr 2026AU stops paying reward points on transportation merchant codes
- 22 Dec 2024AU rewrites where the ixigo co-brand earns — four categories to nil, three to a reduced rate
- 1 Apr 2024AU zeroes out rewards on fuel, rent, education and government
- 21 Mar 2024AU unveils Zenith+ — a metal card built for the departure gate
- 5 Jul 2023AU Rewardz devalues vouchers 20% and tolls every redemptionE-vouchers at ₹0.25/point; free redemptions; uncapped Zenith earning → E-vouchers cut to ₹0.20/point; ₹99 + taxes per redemption; Zenith capped at 40k points/cycle (20k per category)
AU's first big rewrite of its points program hits from three directions at once: the e-voucher rate — the redemption most cardholders actually use — drops from ₹0.25 to ₹0.20 per point, every successful redemption now costs ₹99 plus taxes, and Zenith's earning gets a 40,000-point statement-cycle ceiling. A closed-loop currency with no transfer partners just got 20% smaller and pay-per-exit.
Every AU Small Finance Bank change we've dated → 9 events since 2021, 5 of them nerfs — worst year 2024.
Verified against AU Small Finance Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official AU's LIT product page — 'Lifetime Free Credit Card', features from ₹49 a quarter, up to 10x reward points, and the auto-renewal rules in AU's own FAQ
- official AU's LIT feature terms — 1 RP/₹100 base, 10,000-point cycle ceiling, excluded MCCs, and 5X/10X as an opt-in feature with its own 90-day fee
- official AU's credit-card FAQ — LIT listed as lifetime free, and the cross-currency mark-up table that puts LIT at 3.49%