AU LIT Credit Card – India’s First Customizable Credit Card

AU LIT Credit Card: India's First Fully Customizable Credit Card

Imagine having a credit card that bends to your lifestyle—where you choose the rewards, set your perks, and decide how much you pay. Welcome to the AU LIT Credit Card—India’s first fully customizable credit card. This revolutionary card from AU Small Finance Bank empowers users to build their ideal credit experience.

If you’re someone who’s tired of one-size-fits-all cards and wants true control over features and charges, this one’s lit for real.

🔍 AU LIT Credit Card – Key Features Overview

Feature	Details
Joining/Annual Fee	₹0 (No fixed fee, pay for features you choose)
Customizable Benefits	Yes – Pick rewards, cashback, lounge access, OTT & more
Cashback Option	Up to 5% (based on selected pack)
Lounge Access	Domestic and international lounge visits available
Fuel Surcharge Waiver	Yes, up to ₹200/month
Card Network	Visa Signature
Apply Online	Click here to Apply Now

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👤 Who Is the AU LIT Credit Card Meant For?

This card is tailored for:

• Millennials and Gen Z who prefer personalized digital services

• Professionals and freelancers who want control over benefits

• Frequent online shoppers and travelers looking for ROI-driven cards

“AU LIT gave me the power to pick only the perks I want. I use it for travel and OTT—no waste, just value.”— Arjun Malhotra, Digital Marketer, Delhi

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🧠 Why Customization Is the Future of Credit Cards

In 2024, over 65% of Gen Z and millennial users said they prefer customized banking products, according to a survey by Deloitte. With rising awareness of financial wellness and fee transparency, traditional cards with rigid structures are losing favor.

AU Bank tapped into this insight and built the LIT Credit Card from scratch to be modular—a first in the Indian market.

External Source:

• Deloitte 2024 Millennial Banking Report

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⚙️ How AU LIT’s Customization Works

You choose the features, and the fee depends on what you select. Here are some popular packs and add-ons:

🎯 Available Benefit Modules:

• Cashback Pack: Up to 5% cashback on groceries, travel, dining

• OTT Pack: Netflix, Prime, Hotstar subscriptions bundled in

• Airport Lounge Pack: 2–4 visits per quarter (domestic & international)

• Fuel Pack: 1% surcharge waiver across fuel stations

• Dining Pack: Flat discounts at partnered restaurants

Monthly cost per feature: Starting as low as ₹49/month per pack

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🛍️ Benefits of Going Modular with AU LIT

✅ Control Your Card Like Never Before:

• No hidden fees

• Modify features anytime via AU 0101 app

• Avoid paying for unused benefits

💡 Flexible and Future-Proof:

• Start with essential perks, upgrade as your lifestyle evolves

• Ideal for people with changing spending patterns (e.g., remote workers, digital nomads)

💼 Rewards That Fit YOU:

• Cashback on preferred spends

• Redeem points on travel, fuel, shopping, or convert to vouchers

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📲 How to Apply for the AU LIT Credit Card

Applying is seamless and 100% online.

👉 Click here to apply for the AU LIT Credit Card

✅ Eligibility:

• Age: 21 to 60 years

• Income: ₹25,000/month minimum (salaried or self-employed)

• Indian resident with valid PAN and address proof

📄 Documents Required:

• PAN Card

• Aadhaar/Voter ID/Passport

• Income Proof (ITR or salary slip)

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💡 Smart Tips to Maximize Your AU LIT Card

• Track your usage monthly to see which features are worth keeping

• Use the AU 0101 App to toggle packs on/off and avoid overspending

• Opt-in for cashback only during high-spend months (e.g., festivals, travel season)

• Check AU Bank’s partner offers to amplify rewards on select merchants

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❓ Frequently Asked Questions (FAQ)

1. Is AU LIT Credit Card really lifetime free?

Yes! There is no fixed annual fee. You only pay for what you use.

2. Can I switch features anytime?

Yes. You can add, remove, or change benefits through the AU 0101 app at any time.

3. What is the validity of feature packs?

Most packs are valid for one month and auto-renew unless canceled.

4. Are there any hidden charges?

No. All charges are transparently shown before you subscribe to a feature.

5. What is the credit limit offered?

Limits depend on your income and credit profile. Most first-time users get ₹30,000 to ₹1.5 lakhs.

✅ Final Thoughts

The AU LIT Credit Card isn’t just a credit card—it’s a lifestyle tool that adjusts to your needs. Whether you want to binge-watch with OTT bundles, earn cashback on groceries, or travel smart with lounge access, this card lets you decide what’s worth your money.

🎯 Ready to customize your credit card journey?👉 Apply for the AU LIT Credit Card now