The AU Small Finance Bank has introduced the LIT (Live It Today) Credit Card, marking India’s first customizable credit card. This innovative card empowers users to select and modify features based on their preferences and lifestyle.
Rather than maintaining multiple cards for distinct categories like shopping, dining, or travel, the LIT Credit Card allows you to choose the specific categories that align with your preferences. Moreover, you have the flexibility to switch between these features whenever you desire.
The AU Bank LIT Credit Card provides users with the ability to manage and track features in real-time through the AU0101 app, offering a seamless and personalized experience.
For a more detailed understanding of these customizable benefits, continue reading to explore how the AU Bank LIT Credit Card puts control in the hands of the cardholder.
Table of Contents
Benefits and Features of AU Bank LIT Credit Card
| Benefits and Features | AU Bank LIT Credit Card |
|---|---|
| Welcome Benefits/Cashback/Rewards Points | As a welcome bonus, cardholders will get 1 Reward Point for every Rs. 100 spent on retail with the card, 10X or 5X accelerated Reward Points (For Specific Features), and Additional cashback (For Specific Features). |
| Travel Benefits | Enjoy the luxury of complimentary access to domestic lounges in India, enhancing your travel experience with comfort and convenience. |
| Dining Benefits | Receive an additional 5% cashback for dining expenses, providing extra savings and rewards on your dining transactions. |
| Domestic Lounge Access | Benefit from 4 complimentary lounge access visits per quarter, ensuring that you have ample opportunities to relax and unwind in comfortable lounge environments during your travels. |
| International Lounge Access | N/A |
| Movie Benefits | Get 3 Months of complimentary Membership of Zee5, Amazon Prime. |
| Insurance Benefits | N/A |
Membership Benefits Category
Under this Category, the cardholder will receive complimentary 3 months memberships for:
- ZEE5 with 2,800+ blockbusters, 150+ web series, LIVE TV, Before TV, watch ad-free content on mobile, TV, Laptop, & Eduaurra competitive learning exams.
- Amazon Prime with unlimited free, fast delivery on eligible items, video streaming, ad-free music, free in-game content, exclusive access to deals & more.
- Cult.fit with at-centre group classes, all Elite gyms & at-home live workouts.
All memberships will be subject to spends condition, which will be specified throughout the membership selection process.
Milestone Cashback Category
Under this, the cardholder is expected to achieve a spending target, and if they do then they are eligible for the cashback as follows:
Additional 5% Cashback:
Under this, the cardholder is eligible to get 5% cashback every month over a 90 days period. The cashback will be provided on the retail transactions done in a month. In order to be eligible for this benefit, cardholder needs to spend Rs. 7,500 or more in a month. Also, a maximum cashback worth Rs. 500 can be earned in a month.
Additional 2% Cashback:
Under this, the cardholder will earn 2% cashback for retail spends every month for 90 days period. The Cardholder needs to spend Rs. 10,000 or more in month to claim this offer. However, the maximum cashback of Rs. 1,000 can be claimed in a month.
The cardholder will not earn cashback on Fuel, rent, insurance and cash withdrawal transactions and these will not be considered for Cashback and milestone calculation.
Shoppers’ Reward Category
Under this, the cardholder is eligible to earn tons of Rewards with the LIT card. You can Earn Reward Points as you shop and redeem them for exciting discounts and offers. The cardholder gets:
- 10X or 5X Reward Points on all online domestic & international retail transactions
- 10X or 5X Reward Points on all POS & Contactless offline domestic & international transactions.
The cardholder can enjoy the benefit of accelerated reward points if the one or more features with this benefit is opted for. The base rewards ( 1RP for Rs. 100) are already included in the accelerated reward points. Do note that Cash withdrawal, EMI, fuel, insurance and rent transactions would not be considered for the accelerated reward points.
Eligibility for AU Bank LIT Credit Card
To check the eligibility for the AU Bank LIT Credit Card, kindly read the AU Bank LIT Card Eligibility Blog post
Fees & Charges of AU Bank LIT Credit Card
| Fees & Charges | AU Bank LIT Credit Card |
|---|---|
| Joining fee | Nil |
| Annual fee | Nil |
| Fee waiver | N/A |
| Fuel surcharge | 1% fuel surcharge waiver for fuel transactions between Rs. 400 and Rs. 5,000 across all fuel stations in India using this credit card. |
How to Apply for AU Bank LIT Credit Card
You can apply online or offline for this AU Small Finance Bank Credit Card.
Online – Visit AU Small Finance Bank’s official website and apply for this credit card.
Offline – You can visit the nearest AU Small Finance Bank branch with all the necessary documents.
