AU Bank LIT Credit Card

In today’s digital age, credit cards have become an essential tool for managing our financial lives. With numerous options available, it’s crucial to choose a credit card that aligns with our needs and preferences. AU Bank Lit Credit Card has recently emerged as a promising contender, offering a range of features and benefits that cater to the diverse requirements of modern consumers. In this review, we’ll delve into the key aspects of the AU Bank lit credit card and assess whether it truly shines in the competitive credit card landscape.

Key Highlights of AU Bank lit credit card

Card Type	Lifetime-free
Best Suited for	Rewards & Cashback
Best Feature	Up to 10X reward points on online & offline domestic & international transactions

Other Key Highlights

• 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.
• Avail 1% fuel surcharge waiver for transactions between Rs.400 and Rs.5,000
• You can earn cashback on shopping when using the 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 Rs.7,500 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 Rs.10,000 and earn a maximum cashback of Rs.1.000 over a period of 30 days.
• You can earn cashback on grocery shopping, travel, and dining when using the LIT credit card:
  1. 5% cashback on grocery shopping, travel, and dining apart from an additional 1 reward point for every Rs.100 spent.
  2. Maximum cashback of Rs.1,000 over a period of 30 days.
  • Avail 4 complimentary domestic airport lounge visits in a quarter.
  • 3 months of free membership of Zee5, Amazon Prime, and Cult Fit.

You can check more about AU Bank lit credit card on AU bank official website.

Benefits of AU Bank lit credit card

Airport Lounge Access:

With this benefit, you can have a comfortable time during your travels and get benefits worth up to Rs. 3600. The following are the prices associated with this feature, applicable for a 90-day period.

• Get 1 visit to domestic airport lounges in India – Rs. 199 for 90 days
• Get 2 visits to domestic airport lounges in India – Rs. 299 for 90 days

Memberships

Get access to some of the most popular and in-demand subscription services, and get benefits worth up to Rs. 1200. The following are the prices associated with this feature, applicable for a 90-day period

• 3 Months Zee5 Membership – Rs. 99 for 90 days. You must spend at least Rs. 5000 during the 90-day period, else you will be charged a Rs. 50 penalty.
• 3 Months Amazon Prime Membership – Rs. 199 for 90 days. You must spend at least Rs. 10,000 during the 90-day period, else you will be charged a Rs. 100 penalty.
• 3 Months Cult.fit Membership – Rs. 499 for 90 days. You must spend at least Rs. 20,000 during the 90-day period, else you will be charged a Rs. 200 penalty.

Milestone Cashback

Get additional cashback on reaching the minimum spend amount and get benefits worth Rs. 3000. The following are the prices associated with this feature, applicable for a 30-day period.

• Get 5% Additional Cashback – Rs. 299 for 30 days. You will be eligible for the cashback on spending a minimum of Rs. 7500, excluding fuel, cash advance, and rent spends. You can earn a maximum cashback of Rs. 500 per month.
• Get 2% Additional Cashback – Rs. 199 for 30 days. You will be eligible for the cashback on spending a minimum of Rs. 10,000, excluding fuel, cash advance, and rent spends. You can earn a maximum cashback of Rs. 100 per month.

5x/10x Rewards

You can earn bonus up to 10x rewards on your online and offline spends with this feature.

For Online Spends –

Get 10x Reward Points on Online Spends – Rs. 299 for 90 days. You can earn 10x reward points on your online spends, but rent, cash withdrawal, and fuel spends are not eligible.

Get 5x Reward Points on Online Spends – Rs. 199 for 90 days. You can earn 5x reward points on your online spends, but rent, cash withdrawal, and fuel spends are not eligible.

For Offline Spends –

Get 10x Reward Points on Offline Spends – Rs. 299 for 90 days. You can earn 10x reward points on your offline spends, but rent, cash withdrawal, and fuel spends are not eligible.

Get 5x Reward Points on Offline Spends – Rs. 199 for 90 days. You can earn 5x reward points on your offline spends, but rent, cash withdrawal, and fuel spends are not eligible.

Category Cashback

You can earn cashback on spends across different categories with this feature and get benefits worth up to Rs. 3000 per category.

• Get 5% Cashback on Grocery Spends – Rs. 299 for 90 days. You can earn a maximum cashback of Rs. 1000 per month.
• Get 5% Cashback on Travel Spends – Rs. 299 for 90 days. You can earn a maximum cashback of Rs. 1000 per month.
• Get 5% Cashback on Dining Spends – Rs. 299 for 90 days. You can earn a maximum cashback of Rs. 1000 per month.
• Get 5% Cashback on Electronics Spends – Rs. 299 for 90 days. You can earn a maximum cashback of Rs. 1000 per month.
• Get 5% Cashback on Apparel Spends – Rs. 199 for 90 days. You can earn a maximum cashback of Rs. 1000 per month.

Fuel Surcharge Waiver

Get 1% Fuel Surcharge Waiver – Rs. 49 for 90 days. The waiver is applicable on all transactions ranging between Rs. 400 to Rs. 5000.

You can choose whichever feature you want based on your needs, requirements, and spending habits. The pricing for each feature is valid for a 90-day period and is levied once you opt-in for a specific feature. Each feature chosen by you is on auto-renewal and you will have to disable auto-renewal, if you don’t want to continue with a particular feature after 90 days.

Redeeming Reward Points on AU Bank lit credit card

The reward points earned with the AU Small Finance Bank LIT Credit Card can be redeemed for many benefits like:

• Redeem against the purchase of Merchandise.
• For booking tickets for flights, hotels, buses and movies.
• Use Points for recharge of Mobile or DTH.
• Book Golf sessions at golf courses across India.
• Redeem your points for E-gift Vouchers.
• Convert your Reward Points to Air miles.

Fee’s And Charges on AU Bank lit credit card

Type of Fees / Charges	Amount
Cash Advance Charges	2.5% amount withdrawn, subject to a maximum of 100
Cash Advance Limit	20% of the total credit limit
Late Payment Fees	For Statement Balance:Less than or equal to Rs. 100: Nil Above Rs. 100 & up to Rs. 500: Rs. 100 Above Rs. 500 & up to Rs. 5,000: Rs. 500 Above Rs. 5,000 & up to Rs. 10,000: Rs. 700 Above Rs. 10,000 & up to Rs. 20,000: Rs. 800 Above Rs. 20,000 & up to Rs. 50,000: Rs. 900 Above Rs. 50,000: Rs. 1,100

Eligibility to Apply for AU Bank lit credit card

Criteria	Categories
Age	Primary cardholder between the age of 21 years and 60 yearsAdd-on cardholder should be over 18 years
Residency Status	Indian

Required Documents for AU Bank lit credit card

The documents required to apply for the AU Bank LIT Credit Card are listed below:

• Identity Proof: Aadhar Card, PAN Card, Voter’s ID, Passport, or Driving License.
• Address Proof: Latest months’ utility bills, Aadhar Card, Ration card, Driving License, etc.
• Proof of Income: Latest months’ salary slips/bank statements, or latest audited ITR.

Comparison

AU Bank lit credit card v/s AU Bank Ultra credit card

Basis	AU Bank lit credit card	AU Bank Ultra credit card
Fee	Joining Fee NIL Renewal Fee Nil	Joining Fee Rs. 199 + applicable taxes Renewal Fee Rs. 199 + applicable taxes
Best Suited For	Movies | Travel | Dining | Fuel | Shopping	Shopping
Reward Type	Reward Points	Reward Points
Welcome Benefits	NIL	Get a 5% cashback on retail spends worth Rs. 2,500 or more within 60 days.

AU Bank lit credit card v/s AU Bank Altura Plus credit card

Basis	AU Bank lit credit card	AU Bank Altura Plus credit card
Fee	Joining Fee NIL Renewal Fee Nil	Joining Fee Rs. 499 + applicable taxes Renewal Fee Rs. 499 + applicable taxes
Best Suited For	Movies | Travel | Dining | Fuel | Shopping	Shopping
Reward Type	Reward Points	Reward Points
Welcome Benefits	NIL	Gift voucher worth Rs. 500 from some top brands.

AU Bank lit credit card v/s AU Bank Vetta credit card

Basis	AU Bank lit credit card	AU Bank Vetta credit card
Fee	Joining Fee NIL Renewal Fee Nil	Joining Fee Rs. 2,999 + applicable taxes Renewal Fee Rs. 2,999 + applicable taxes
Best Suited For	Movies | Travel | Dining | Fuel | Shopping	Shopping|Travelling
Reward Type	Reward Points	Reward Points
Welcome Benefits	NIL	Vouchers worth Rs. 2,000 from top brands on a minimum expenditure of Rs. 30,000 within 60 days of card setup.

Apply for AU Bank lit credit card

The AU Bank LIT Credit Card can be applied both through online and offline modes. To apply online, you can follow a few simple steps as mentioned below:

• Visit the AU Bank’s official website.
• Under the section ‘Cards,’ select Credit Cards and then ‘LIT Credit Card.’
• Click on ‘Apply Now,’
• Proceed further by filling in the required details.

To apply for this credit card through an offline process, all you have to do is to visit the nearest bank branch and fill in the credit card application form and attach the documents required.

Check AU Bank lit credit card status

Via Online:

You can track your AU Bank credit card status and check if the bank has accepted or rejected your application. You can go to the bank website and track the application by entering your application number.

You can visit the website, https://www.aubank.in/check-your-sr and enter your service request number to track your AU Bank credit card application number.

Via Offline:

You can check the status of your AU Bank credit card application by calling the customer care:

• You can reach an AU Bank customer care representative by calling 1800 1200 1500.
• You can also reach AU Bank customer service by writing to customercare@aubank.in

Contact AU Bank lit credit card

Via phone – 1800 1200 1500
Via Email – customercare@aubank.in

Conclusion

The AU Bank Lit Credit Card stands out as a worthy contender in the credit card market, thanks to its compelling features and benefits. With its attractive rewards program, contactless convenience, travel-friendly features, enhanced security measures, and transparent fee structure, the card illuminates the path to a seamless and rewarding financial journey.

However, it’s important to note that individual financial situations and preferences may vary, so it’s advisable to thoroughly compare credit cards, evaluate personal requirements, and read the terms and conditions before making a final decision. But for those seeking a well-rounded credit card experience, the AU Bank Lit Credit Card certainly shines brightly among its competitors.

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