{"id":86179,"date":"2026-04-09T18:34:34","date_gmt":"2026-04-09T13:04:34","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=86179"},"modified":"2026-04-09T18:34:40","modified_gmt":"2026-04-09T13:04:40","slug":"au-lit-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/au-lit-credit-card\/","title":{"rendered":"Personalise Your Rewards With the AU LIT Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Choose between 5X or 10X reward point options.<\/li>\n\n\n\n<li>Get a \u20b9200 Amazon voucher by paying just \u20b950.<\/li>\n\n\n\n<li>Enjoy 2 domestic lounge visits every quarter.<\/li>\n\n\n\n<li>Foreign currency markup charged at 3.49%.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>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 \u20b949 per quarter.<\/p>\n\n\n\n<p>The card offers cashback on categories like groceries and apparel, along with benefits worth up to \u20b924,000 per quarter. It is lifetime free and comes with a foreign currency markup of 3.49% on international transactions.<\/p>\n\n\n\n<p>What other flexible and rewarding features of the AU LIT Credit Card can you unlock? Keep reading to know more!<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#au-lit-credit-card-benefits\">AU LIT Credit Card Benefits<\/a><\/li><li><a href=\"#au-lit-credit-card-charges\">AU LIT Credit Card Charges<\/a><\/li><li><a href=\"#au-lit-credit-card-eligibility\">AU LIT Credit Card Eligibility<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"au-lit-credit-card-benefits\"><strong>AU LIT Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-LIT-Benefits-1024x682.jpg\" alt=\"AU LIT Credit Card Benefits\" class=\"wp-image-86181\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-LIT-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-LIT-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-LIT-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-LIT-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/AU-LIT-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>Begin your journey with a \u20b9200 gift voucher from Amazon by paying just \u20b950, adding instant value from the start. Here are the other benefits which AU LIT credit card users get:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Reward Points:<\/strong> Earn 10X reward points on all spends for \u20b9299 quarterly, or choose 5X reward points for \u20b9199 every 3 months.<\/li>\n\n\n\n<li><strong>Lounge Access:<\/strong> Enjoy up to 2 domestic airport lounge visits per quarter. Each visit costs \u20b9399, selectable for 90 days.<\/li>\n\n\n\n<li><strong>Subscription Benefits:<\/strong> Access ZEE5 for \u20b999+GST or Amazon Prime for \u20b9299+GST or both and get entertained with premium content.<\/li>\n\n\n\n<li><strong>Milestone Cashback:<\/strong> Get an extra 5% cashback on \u20b910,000 spends and 2% cashback on \u20b915,000 spends by paying \u20b9199.<\/li>\n\n\n\n<li><strong>Security Cover:<\/strong> Stay protected with card liability cover up to \u20b91.5 lakh and zero liability on fraud after reporting card loss.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"au-lit-credit-card-charges\"><strong>AU LIT Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>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 \u20b9500, whichever is higher, so plan usage wisely.<\/p>\n\n\n\n<p>The table illustrates <a href=\"https:\/\/www.au.bank.in\/content\/dam\/aubank\/in\/en\/pdf\/credit-card\/MITC(with-Schedule-of-Charges).pdf\" target=\"_blank\" rel=\"noopener\">other important charges<\/a> that are levied on this card:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Finance Charges<\/td><td>3.75% monthly or 45% annually<\/td><\/tr><tr><td>Payment Return Charges<\/td><td>2%, or min. \u20b9500<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5%, or min. \u20b9500<\/td><\/tr><tr><td>Duplicate Statement Fee<\/td><td>\u20b9100<\/td><\/tr><tr><td>Outstation Cheque Processing Charges<\/td><td>\u20b925<\/td><\/tr><tr><td>Card Transfer Charges<\/td><td>\u20b9199+GST<\/td><\/tr><tr><td>Reward Redemption Fees<\/td><td>\u20b999+GST<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>15% of the due amount.Min. \u20b910 and max. \u20b91,300<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"au-lit-credit-card-eligibility\"><strong>AU LIT Credit Card Eligibility<\/strong><\/h2>\n\n\n\n<p>It is important to review eligibility and usage habits before starting your AU LIT Credit Card application process, which are given below:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Residency Status:<\/strong> Only Indian residents are eligible to apply.<\/li>\n\n\n\n<li><strong>Age Criteria:<\/strong> Salaried applicants must be 21\u201360 years, self-employed individuals must be 25\u201365 years old,&nbsp; and add-on cardholders must be above 18 years of age.<\/li>\n\n\n\n<li><strong>Income Requirement:<\/strong> Applicants must meet the minimum monthly income criteria set by the bank.<\/li>\n\n\n\n<li><strong>Documents Needed:<\/strong> Valid identity proof, address proof, and income documents are required during the application.<\/li>\n<\/ol>\n\n\n\n<p><strong>Note:<\/strong> These conditions are indicative and subject to bank approval. So, before applying, it is best to talk to a bank representative.<\/p>\n\n\n\n<p><strong>Pro Tip:<\/strong> Paying on time and using less than 30% of your limit helps maintain a healthy credit score.<\/p>\n\n\n\n<p>\ud83d\udca1Getting the card is just the first step; what truly matters is how you manage it every month. Use the <a href=\"https:\/\/piceapp.com\/\">Pice app<\/a> to track bills, receive timely reminders, and make secure credit card bill payments easily from our GST-compliant platform.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>A fuel surcharge waiver is available up to \u20b91,500 within each 90-day feature activation period on eligible fuel transactions.<\/li>\n\n\n\n<li>QR codes for lounge access are valid for 90 days or until the feature ends, whichever occurs earlier.<\/li>\n\n\n\n<li>Category cashback of 5% is capped at a maximum of \u20b9500 on grocery and apparel spends in each 30-day cycle.<\/li>\n\n\n\n<li>Milestone cashback is credited within 5 days after completion of the 30-day spending cycle.<\/li>\n\n\n\n<li>Cardholders can choose either 5X or 10X reward points on online, offline, and contactless transactions.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1775739487834\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What fuel transactions qualify for a surcharge waiver?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Fuel transactions between \u20b9400 and \u20b95,000 qualify for a surcharge waiver when this feature is activated. The benefit applies only if the cardholder has selected the fuel feature.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775739507200\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How does lounge access work on this card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775739526042\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can I disable auto-renewal of features?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775739544279\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the spending rules for membership benefits?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>For ZEE5, you must spend \u20b95,000 within 90 days or pay a \u20b950 penalty, while for Amazon Prime, you must spend \u20b910,000 within 90 days or pay \u20b9299 as a penalty.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775739563693\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the conditions for unlocking a gift voucher?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>To unlock the \u20b9200 Amazon Pay voucher, you must spend \u20b910,000 within 30 days. If not, a penalty is charged 5 days after the feature ends.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775739581115\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What milestone cashback benefits does this card offer?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can earn 5% cashback up to \u20b9500 on eligible spends, available 3 times within 90 days. You also get 2% cashback up to \u20b91,000, applicable 3 times in the same period.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775739598737\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the key conditions for insurance coverage claims?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways 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 \u20b949 per quarter. The card offers cashback on categories like groceries and apparel, along with [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":86180,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-86179","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86179","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=86179"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86179\/revisions"}],"predecessor-version":[{"id":86193,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86179\/revisions\/86193"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/86180"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=86179"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=86179"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=86179"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}