CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
AU Small Finance Bank

AU Bank LIT Credit Card

25
Ranked #134 of 170 in credit
creditRuPay/VisaEntry-Customizable

AU Bank's uniquely customizable card letting users toggle features (lounge access, OTT subscriptions, insurance, cashback categories) on/off each quarter and pay only for what they use — the base card itself is lifetime free.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value6/100 · weight 71%
≈ 0.25% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
Fee efficiency100/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks26/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
—
Annual fee
Lifetime free
Waiver: Base card is lifetime free; optional add-on features (lounge, OTT, insurance, cashback categories) are individually priced quarterly
Forex markup
3.59%

Lounge access

Domestic (per year)
8
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
all_spendspoints0.25%(1 pts @ ₹0.25)—Base rate 1 RP/Rs100; up to 10X selectable via feature customization

Welcome offer

No standard welcome bonus (base card free; features opt-in)

Milestone benefits

Pros

  • India's first fully customizable credit card — pay only for features actually used each quarter (lounge, OTT, insurance, cashback categories)
  • base card genuinely free

Cons

  • Base card has minimal built-in value
  • must actively manage quarterly feature selection or default benefits are minimal
  • complexity may not suit low-engagement users

What's inside

More benefits

  • Customizable feature marketplace

    Toggle lounge access, OTT subscriptions (Zee5/Prime), insurance, airport pickup, and cashback categories quarterly, paying only for selected features

    quarterly. Feature-dependent fees apply per quarter

Insurance cover

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₹NaN

Eligibility

text
Age 21-60; stable income; Indian resident (indicative)

Small print

Fuel surcharge:Standard 1% surcharge waiver if selected as an active feature