Personalise Your Rewards With the AU LIT Credit Card

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

9 Apr 26
5 mins

Shreyansh Singh

08 Mins
09-04-26

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Table of Contents

AU LIT Credit Card Benefits
AU LIT Credit Card Charges
AU LIT Credit Card Eligibility

Choose between 5X or 10X reward point options.
Get a ₹200 Amazon voucher by paying just ₹50.
Enjoy 2 domestic lounge visits every quarter.
Foreign currency markup charged at 3.49%.

The AU LIT Credit Card is a flexible and customisable option that lets you choose features based on your lifestyle. You can switch features on or off anytime and pay only for what you use, starting from just ₹49 per quarter.

The card offers cashback on categories like groceries and apparel, along with benefits worth up to ₹24,000 per quarter. It is lifetime free and comes with a foreign currency markup of 3.49% on international transactions.

What other flexible and rewarding features of the AU LIT Credit Card can you unlock? Keep reading to know more!

AU LIT Credit Card Benefits

Begin your journey with a ₹200 gift voucher from Amazon by paying just ₹50, adding instant value from the start. Here are the other benefits which AU LIT credit card users get:

Reward Points: Earn 10X reward points on all spends for ₹299 quarterly, or choose 5X reward points for ₹199 every 3 months.
Lounge Access: Enjoy up to 2 domestic airport lounge visits per quarter. Each visit costs ₹399, selectable for 90 days.
Subscription Benefits: Access ZEE5 for ₹99+GST or Amazon Prime for ₹299+GST or both and get entertained with premium content.
Milestone Cashback: Get an extra 5% cashback on ₹10,000 spends and 2% cashback on ₹15,000 spends by paying ₹199.
Security Cover: Stay protected with card liability cover up to ₹1.5 lakh and zero liability on fraud after reporting card loss.

AU LIT Credit Card Charges

You can access cash up to 20% of your available credit limit. Each withdrawal comes with a fee of 2.5% of the amount or ₹500, whichever is higher, so plan usage wisely.

The table illustrates other important charges that are levied on this card:

Parameters	Charges
Finance Charges	3.75% monthly or 45% annually
Payment Return Charges	2%, or min. ₹500
Overlimit Charges	2.5%, or min. ₹500
Duplicate Statement Fee	₹100
Outstation Cheque Processing Charges	₹25
Card Transfer Charges	₹199+GST
Reward Redemption Fees	₹99+GST
Late Payment Charges	15% of the due amount.Min. ₹10 and max. ₹1,300

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AU LIT Credit Card Eligibility

It is important to review eligibility and usage habits before starting your AU LIT Credit Card application process, which are given below:

Residency Status: Only Indian residents are eligible to apply.
Age Criteria: Salaried applicants must be 21–60 years, self-employed individuals must be 25–65 years old, and add-on cardholders must be above 18 years of age.
Income Requirement: Applicants must meet the minimum monthly income criteria set by the bank.
Documents Needed: Valid identity proof, address proof, and income documents are required during the application.

Note: These conditions are indicative and subject to bank approval. So, before applying, it is best to talk to a bank representative.

Pro Tip: Paying on time and using less than 30% of your limit helps maintain a healthy credit score.

💡Getting the card is just the first step; what truly matters is how you manage it every month. Use the Pice app to track bills, receive timely reminders, and make secure credit card bill payments easily from our GST-compliant platform.

Footnotes

A fuel surcharge waiver is available up to ₹1,500 within each 90-day feature activation period on eligible fuel transactions.
QR codes for lounge access are valid for 90 days or until the feature ends, whichever occurs earlier.
Category cashback of 5% is capped at a maximum of ₹500 on grocery and apparel spends in each 30-day cycle.
Milestone cashback is credited within 5 days after completion of the 30-day spending cycle.
Cardholders can choose either 5X or 10X reward points on online, offline, and contactless transactions.

FAQs

What fuel transactions qualify for a surcharge waiver?

Fuel transactions between ₹400 and ₹5,000 qualify for a surcharge waiver when this feature is activated. The benefit applies only if the cardholder has selected the fuel feature.

How does lounge access work on this card?

Domestic lounge access is available through feature selection and is valid only for the cardholder. International lounge visits are chargeable up to USD 35 per visit.

How can I disable auto-renewal of features?

You can turn off auto-renewal through the AU 0101 mobile banking app after 7 days of feature activation. Once disabled, the feature will not renew automatically after the 90-day period ends.

What are the spending rules for membership benefits?

For ZEE5, you must spend ₹5,000 within 90 days or pay a ₹50 penalty, while for Amazon Prime, you must spend ₹10,000 within 90 days or pay ₹299 as a penalty.

What are the conditions for unlocking a gift voucher?

To unlock the ₹200 Amazon Pay voucher, you must spend ₹10,000 within 30 days. If not, a penalty is charged 5 days after the feature ends.

What milestone cashback benefits does this card offer?

You can earn 5% cashback up to ₹500 on eligible spends, available 3 times within 90 days. You also get 2% cashback up to ₹1,000, applicable 3 times in the same period.

What are the key conditions for insurance coverage claims?

Only the primary cardholder is covered, and the card must have at least 1 transaction in the last 180 days. Claim documents must be submitted within 60 days of informing the bank.