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AU LIT Credit Card

AU Small Finance Bank offers the AU LIT Credit Card that allows you to customise the card as per your needs. You can switch on or off your features at your convenience and easily manage and track your expenses. The credit card can be built as you wish to avail multiple benefits. Read on to know more details about AU LIT Credit Card.

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AU LIT Credit Card

  • AU LIT Credit Card

    1st year fee

    :  

    ₹ 0

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What is AU LIT Credit Card?

AU LIT Credit Card, where LIT stands for 'Live It Today', is a credit card especially designed for customers who are looking for cards with multiple benefits, such as travel, shopping, or entertainment. The card enables customers to fulfil specific requirements and add or change features according to the spending pattern.

Benefits of AU LIT Credit Card

Given below are the benefits of using the AU LIT Credit Card:

  1. You can switch off or on the features of your card at your convenience.
  2. You can manage and track the features of your credit card.
  3. You can pick a price as per your budget.
  4. You can change the features of your credit card as per your lifestyle requirements.

Features of AU LIT Credit Card

The features of AU LIT Credit Card are given below:

Category

Features

Shopper's Reward – 5X/10X Reward Points

10x and 5x reward points for all international and domestic retail transactions as well as for all the offline POS and contactless domestic and international transactions. 

  1. In a statement cycle, cardholders can earn a maximum of 10,000 reward points.
  2. Base reward and accelerated rewards are not applicable on fuel rent, cash withdrawal, education and government service transaction, Quasi cash and BBPS.
  3. Utility and insurance transactions will earn base rewards only on every Rs.100 spent.

Fuel Surcharge Waiver

Avail yourself of a 1% fuel surcharge waiver for transactions between Rs.400 and Rs.5,000.

Milestone Cashback

You can earn milestone cashback on retail shopping when using the AU LIT Credit Card:

  1. Earn 5% cashback three times over a period of three months.
  2. 5% cashback on retail spending apart from an additional 1 reward point for every Rs.100 spent.
  3. Spend a minimum of Rs.10,000 and earn a maximum cashback of Rs.500 over a period of 30 days.
  4. Earn 2% cashback three times over a period of three months.
  5. 2% cashback on retail spending apart from an additional 1 reward point for every Rs.100 spent.
  6. Spend a minimum of Rs.15,000 and earn a maximum cashback of Rs.1.000 over a period of 30 days.
  7. Milestone cashback is not applicable on cash withdrawal, BBPS, Quasi Cash transactions, fuel, rent, and BBPS transactions.

Category Cashback

Apart from offering 1 Reward Point for every Rs.100 that is spent, 5% is provided as an additional cashback on apparel and grocery spends. Rs.500 will be the maximum cashback for every 30 days.

Airport Lounge Access

Up to 2 visits can be availed every 90 days.

Entertainment

Various entertainment benefits are provided.

Credit Shield

Up to Rs.1.5 lakh in case of any fraudulent transactions or loss of card once a report has been made.

Subscriptions

ZEE5 and Amazon Prime memberships for 3 months.

  1. Rs.10,000 must be spent within 90 days from the date the Amazon Prime membership has been activated to avoid penalties.
  2. Rs.5,000 must be spent within 90 days from the date the ZEE5 membership has been activated to avoid penalties.
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Steps to Build Your AU LIT Credit Card

Given below are the steps you will have to follow to build your AU LIT Credit Card:

  1. Download the AU 0101 app on your phone.
  2. Choose the feature.
  3. Choose the pricing.
  4. The features can be switched ON/OFF as per your choosing.
  5. Customers can also keep track of rewards and cashback using the AU 0101 app.

Build Your AU LIT Credit Card - Pricing

The pricing that will be levied to avail different features of the AU LIT Credit Card are mentioned below:

Category

Pricing (90 days)

Features

Category Cashback

Rs.199

5% Cashback – Apparel Spends

Rs.299

5% Cashback – Grocery Spends

Fuel Surcharge Waiver

Rs.49

1% Fuel Surcharge Waiver

Accelerated Reward Points

Rs.299

10X Reward Points (Offline Spends)

Rs.199

5X Reward Points (Offline Spends)

Rs.299

10X Reward Points (Online Spends)

Rs.199

5X Reward Points (Online Spends)

Subscriptions

Rs.299

Amazon Prime (3 months)

Rs.99

ZEE5 (3 months)

Milestone Cashback

Rs.199

2% Additional Cashback

Rs.299

5% Additional Cashback

Lounge Access

Rs.399

1 free airport lounge access

  1. Feature Period: Validity is for 90 days from the date the feature is activated.
  2. Feature Cycle: Three cycles of 30 days each.
  3. Auto-Renewal: Features will be auto-renewed unless the cardholder disables them.
  4. Cashback: Cashback will be provided 5 days after the 30-day cycle has been completed.
  5. Milestone Features: Cashback will be provided only if the required spends have been made within the 30-day cycle.
  6. Penalty: Penalties will be levied in case the minimum spend has not been made.
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Process to Avail Different Benefits

Airport Lounge Access

  1. Open the AU 0101 App and complete the login process.
  2. Choose ‘Manage Credit Card’.
  3. Choose ‘Airport Lounge’.
  4. Visit the Voucher page to generate the QR code.
  5. Show the QR code.

Subscriptions

  1. Open the AU 0101 App and complete the login process.
  2. Choose ‘Manage Credit Card’.
  3. Choose the voucher you wish to redeem.
  4. Select ‘Redeem Voucher’.
  5. The code must be entered to complete the process.

Cashbacks and Reward Points

  1. Open the AU 0101 App and complete the login process.
  2. Choose ‘Manage Credit Card’.
  3. Select ‘Cashback/Reward Points’ feature.
  4. Choose the benefit to see the different transactions that you are eligible for.
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Eligibility Criteria for AU LIT Credit Card

Given below are the eligibility criteria you will have to follow to apply for the AU LIT Credit Card:

  1. Cardholder should be a citizen of India.
  2. The primary cardholder must be aged between 21 years and 60 years for salaried individuals.
  3. For self-employed individuals, the age of the cardholders must be between 25 to 65 years.
  4. Add-on cardholders must be aged 18 years and above.

Note that the right to approve or decline the credit card application depends on the bank’s decision.

Fees and Charges for AU LIT Credit Card

The fees and charges related to the AU LIT Credit Card are mentioned in the table below:

Types of Fees or Charges

Amount

Joining Fee

Nil

Annual Fee

Nil

Cash Advance Limit

20% of the credit limit

Charges on Revolving Credit

3.49% per month (41.88% annually)

Cash Advance Charges

2.50% of amount withdrawn, which is subject to a minimum of Rs.100

Charges on late payment

  1. Less than or equal to Rs.100: Nil
  2. Above Rs.100 and up to Rs.500: Rs.100
  3. Above Rs.500 and up to Rs.5,000: Rs.500
  4. Above Rs.5,000 and up to Rs.10,000: Rs.700
  5. Above Rs.10,000 and up to Rs.20,000: Rs.800
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FAQs on AU LIT Credit Card

  • How can I pay my AU LIT Credit Card bill?

    You pay your AU LIT Credit Card bill through both AU 0101 app and net banking portal. Customers need to log into the AU 0101 net banking portal and click on Credit Card section. Seclect ‘Pay Bill’, click on ‘Redeem’ option, enter the bill amount, and click on ‘Proceed’. Select the bank account, click on ‘Next’, and enter the OTP (One Time Password) received on the registered mobile number to make the bill payment.

  • Can I add my children as add-on partners for the AU LIT Credit Card?

    If your children are aged 18 years and above, then they can enjoy the benefits of the AU LIT Credit Card.

  • Do I need to be a customer of AU Small Finance Bank to apply for the AU LIT Credit Card?

    No, salaried employees between 18 years and 60 years and self-employed individuals between the ages of 18 years and 65 years can apply for the card. However, you must be an Indian citizen to apply for the card.

  • What should I do if I lose my AU LIT Credit Card?

    You can contact the customer service center in case of loss of the AU LIT Credit Card or any other queries or complaint regarding AU credit cards by calling at 1800 1200 1500 (Toll free numbers) or 0141-7141100 (non-toll free numbers).

  • Will cashback be adjusted against my outstanding dues on using the AU LIT Credit Card?

    Yes, your cashback will be adjusted against your outstanding dues on using the AU LIT Credit Card.

  • What is the feature duration of AU LIT Credit Card?

    All features on AU LIT Credit Card are valid for 90 days from the date they are activated.

  • When will I receive the cashback on my AU LIT Credit Card?

    Your cashback will be credited after five days of the 30-day of the ending period.

  • How can I disable auto renewal of features on AU LIT Credit Card?

    You can disable the auto-renewal feature of your AU LIT Credit Card through AU 0101 app. All the benefits are applicable for 90 days with auto renewal feature which were enabled by default.

  • Are the features auto renewed on AU LIT Credit Card?

    Yes, the AU LIT Credit Card features are auto renewed after a period of 90 days which is the feature duration. If customers disable the auto-renewal feature through AU 0101 mobile banking app, the features will not be auto-renewed.

  • What AU LIT Credit Card bill payment options are available?

    Customers can pay the AU LIT Credit Card bill through the AU 0101 app, AU 0101, net banking and AutoPay facility.

  • Can I pay the AU LIT Credit Card bill offline?

    Yes, you can make offline AU LIT Credit Card bill payment by visiting the nearest AU Small Finance Bank by depositing cheque or via cash. The cheque deposit option for credit card bill payment is applicable for existing and non-existing AU Small Finance Bank customers.

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Credit Card Eligibility
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  6. Yes Bank Credit Card Eligibility
  7. IndusInd Bank Credit Card Eligibility
  8. HSBC Credit Card Eligibility
  9. Kotak Credit Card Eligibility
  10. Canara Bank Credit Card Eligibility
  11. Standard Chartered Credit Card Eligibility
  12. RBL Bank Credit Card Eligibility
  13. Bank of Baroda Credit Card Eligibility
  14. Union Bank Credit Card Eligibility
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