The AU Bank LIT (Live It Today) Credit Card is a pioneering financial product in India, offering unparalleled customization to align with individual lifestyles. This lifetime-free credit card allows users to select and modify features based on their spending habits, ensuring they pay only for the benefits they truly value.
Interested individuals can apply for the AU Bank LIT Credit Card through the following methods:
| Joining Fees | Lifetime Free |
| Annual Fees | Lifetime Free |
| Cash Advance Charges | 2.5% of the Cash withdrawal amount or ₹ 500, whichever is higher. |
| Fuel Surcharge Waiver | Fuel surcharge waiver not applicable on LIT Credit Card |
| Railway Ticket Purchase Fee | As prescribed by Indian Railways / IRCTC |
| Interest Free Period | Up to 48 Days (Not applicable for cash withdrawal) |
| Interest Charges | 3.59% per month (43.08% per annum) + GST |
| Late Payment Charges (Basis Credit Card Bill Amount) | Less than or equal to ₹ 100 : Nill Above ₹ 100 and up to ₹ 500 : ₹ 100 Above ₹ 500 and up to ₹ 5,000 : ₹ 600 Above ₹ 5,000 and up to ₹ 10,000 : ₹ 700 Above ₹ 10,000 and up to ₹ 20,000 : ₹ 800 Above ₹ 20,000 and up to ₹ 50,000 : ₹ 1100 Above ₹ 50,000 : ₹ 1300 |
| Overlimit Charges | 2.5% of overlimit amount, subject to a minimum of ₹ 500 |
| Cash Advance Limit | 20% of the card limit |
| Billing Statement | Periodicity: Monthly on a pre-determined date. Mode: As per customer's choice. E-statement through SMS or E-mail & Physical statement through courier |
| Outstation Cheque Processing Charges | ₹ 25/- |
| Foreign Currency Transaction/ Dynamic & Static Conversion Transactions - Cross Currency Markup Charges | 3.49% |
| Payment Return Charges | 2% of Total Amount Due or Minimum of ₹ 500 whichever is higher on return/failure of Credit Card outstanding payment (Cheque, ECS/NACH, Autopay). |
| Duplicated Physical Statement Request Charges | ₹ 100/- |
| EMI Conversion Charges | 1% of the amount being converted to EMI, subject to a minimum of ₹ 99 + GST. |
| Reward Point Redemption | A nominal fee of ₹ 99 + GST will be levied on each successful redemption. |
| Card Transfer Charges | ₹ 199 + GST |
The AU Bank LIT Credit Card stands out as an innovative solution for those seeking a personalized credit card experience. Its customizable features cater to diverse lifestyles, allowing cardholders to select benefits that best suit their needs. However, potential applicants should be mindful of the associated fees for activating specific features and assess whether the benefits align with their spending patterns. Overall, this card offers a flexible and rewarding option for individuals looking to optimize their credit card usage.
Unlike traditional credit cards that offer fixed benefits, the AU LIT Credit Card lets users choose benefits for a 90-day period, such as higher reward points, cashback, lifestyle memberships, and lounge access. This ensures that users only pay for features they actually use.
Yes, there is no annual or joining fee. However, customized features come with quarterly fees ranging from ₹49 to ₹499, depending on the selected benefit.
Base Reward Rate: 1 reward point per ₹100 spent.
Accelerated Rewards (Optional): Up to 10X reward points in selected spending categories (charges apply).
Visit the AU Bank official website and check the application status.
Call AU Bank customer care at 1800 1200 1200.
Use the AU 0101 app for updates.
