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Premium Decision Grade Catalog
AU SMALL FINANCE BANK LIMITED
AU Bank LIT Credit Card
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Verified Catalog
Source: AU SMALL FINANCE BANK LIMITED Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
India's first customizable credit card where you pay only for the features you use with no joining or annual fees and base reward rate of 0.25% on every spend
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Customizable credit card via AU 0101 app
Highlight 2
Up to 10X reward points on online spends (fee applies)
Highlight 3
5X reward points on online spends for Rs. 199 quarterly fee
Highlight 4
5% additional cashback up to Rs. 500 monthly for Rs. 299 quarterly fee
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
Free
The front-loaded charge when you apply.
Annual fee
Free
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Paytm Premium Cashback value at ~₹1 per point.
Annual Fee: Free100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"6 visits per quarter (24 per year); after April 1, 2025 requires ₹1 lakh quarterly spend"
Hotel Privileges
"4 domestic airport lounge visits per year (1 per quarter)"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"PAN+Address"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Excellent first credit card option that's secured by FD, ideal for building credit history and making UPI payments with cashback benefits"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Rewards Type: Paytm Premium Cashback
- Welcome Offer: Taj Experiences Signature Dining Voucher with cumulative spends of ₹15 lakhs in first 6 months
- Base Rate: 1% direct cashback on UPI spends across departmental stores, groceries, pharmacies, and supermarkets
- Accelerated Rewards Program: 2X cashback on online spends
Cons
- RP to Rupees: 1 Kiwi = ₹0.25
- Domestic Airport: 6 visits per quarter (24 per year)
- after April 1, 2025 requires ₹1 lakh quarterly spend
- Dining: Exclusive dining privileges at select restaurants
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