Card Image
AU LIT
Annual Fee
FREE
Rewards/₹100 ⓘ
₹0.25
Normalized to balance base rate with bonus categories
Interest Rate
42.00%
Credit Score
650+
At a Glance
Key Benefits
1% cashback on all spends, lifetime free, UPI enabled, instant approval
Lounge Access
No lounge access
Eligibility
Age: 21-60, Income: Rs 20,000+/month, CIBIL: 650+
Quick Details
Annual Fee
FREE
#1
Joining Fee
FREE
#1
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.25
#276
Reward Type Reward Points
Reward Currency Points
Min Credit Score
650+
#13
Min Monthly Income ₹20
Network RUPAY
Late Payment Fee ₹500
Over Limit Fee 2.50% (min ₹500)
Cash Advance Fee 2.50% (min ₹500)
Reward Structure
Base
All Spends
₹0.25 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions.
Fraud
₹0
Zero liability for unauthorized transactions.
Quick Analysis
The AU LIT is a straightforward lifetime free credit card from AU Small Finance Bank. While it may not offer premium perks, the zero annual fee makes it a low-risk option. Suitable for those who want a basic credit card without annual charges.
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Frequently Asked Questions
What is AU LIT credit card annual fee?
AU LIT credit card is completely lifetime free with zero joining and annual fee.
Does AU LIT card have UPI?
Yes, AU LIT credit card can be linked to UPI for seamless payments.
What is the cashback on AU LIT card?
AU LIT offers 1% cashback on all spends, capped at Rs 500 per month.
Is AU LIT available for beginners?
Yes, AU LIT is ideal for credit card beginners with low income requirements.
What is AU LIT credit limit?
AU LIT credit limit ranges from Rs 25,000 to Rs 2,00,000 based on eligibility.
User Reviews
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Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.
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