AU Small Finance Bank LIT Credit Card Lifetime Free Card

Do you know that you can customise the features of the AU Small Finance Bank LIT Credit Card after every 90 days? It helps you select features as per your preference to maximise your rewards. On top of that, this is a lifetime free card. 

Explore the benefits, eligibility criteria, application process and charges for this card to enjoy a seamless application process.

AU Bank Lifetime Free Credit Card Benefits 

The AU Small Finance Bank LIT Credit Card is a fully customisable card that allows you to select features based on your needs and spending habits.

Apart from this, here are some of the key benefits you can enjoy with this card:

• 5X or 10X rewards on online domestic and international transactions (retail) and POS and contactless offline transactions. You can earn a maximum of 10,000 reward points each billing cycle.
• On fuel transactions between ₹400 and ₹5,000, you can get a 1% fuel surcharge waiver.
• You can earn 5% cashback up to three times within 90 days, in addition to reward points.
• As a cardholder, you can get 1 reward point on every ₹100 retail spend (minimum retail spend of ₹10,000 and maximum cash back of 500 within 30 days).
• The card offers an additional 2% cashback thrice within 90 days (minimum retail spend of ₹15,000 with cashback of ₹1,000 within 30 days).
• If you spend on groceries using your card, you can earn an additional 5% cashback up to ₹500 every 30 days.
• You can get up to 2 airport lounge visits per 90 days.
• The card offers up to ₹1.5 lakh lost card liability and credit shield each.

AU Bank Lifetime Free Credit Card Eligibility 

If you are an add-on cardholder, you need to be above 18 years old. However, the eligibility criteria for primary cardholders are as follows:

• In case you are a salaried individual, you need to be between 21 and 60 years old.
• If you are self-employed, you should be between 25 and 65 years old.
• You need to be a resident of India to apply for this card.

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AU Bank Lifetime Free Credit Card Application Process 

The application process for the AU Small Finance Bank LIT lifetime free credit card does not include offline or online form submission. Here is the process to apply for this card:

Step 1: Scan and download the AU 0101 app.

Step 2: Select the features of your customisable card.

 Step 3: Select the pricing of your card.

Step 4: Switch features on/off as you like. 

After this, you can even track and manage your credit card from the app.

AU Small Finance Bank LIT Credit Card Charges

AU Small Finance Bank LIT Credit Card does not attract any joining fee or annual renewal fee. However, it attracts a cash advance fee of 2.5% or ₹500, whichever is higher. 

You can get an interest-free grace period between 18 days and 48 days with this card. However, if payments are delayed beyond this period, the following late payment charges will apply:

To avoid missing your credit card bills and incurring late payment charges, simply add your AU Small Finance Bank LIT Credit Card to the PICE app and get regular reminders! 

Conclusion

The AU Small Finance Bank LIT Credit Card makes spending smarter by offering both reward points and cashback on every ₹100 spent. The best part is that you can directly adjust your cashback against your outstanding bill, ensuring effortless savings each month.

To make repayment even easier, download the PICE app! It helps you track due dates, sends timely reminders and ensures you never miss a payment or incur late fees.

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