AU Small Finance Bank LIT Credit Card 2025
Customize & save up to ₹15,000+ every year on shopping, travel, dining & more!
Want a credit card that adapts to your lifestyle? The AU Small Finance Bank LIT Credit Card is India's first customizable card!
It's lifetime free with base 1 RP/₹100 (1% value), but customize via AU 0101 app every 90 days: pay ₹199-₹499/quarter for 10X/5X points on online/offline, 5% cashback on apparel/grocery, milestone 5% up to ₹500, up to 4 lounge visits/quarter, fuel waiver, Amazon Prime/ZEE5 subscriptions, and redeem RP for vouchers/merchandise!
Best for flexible spenders who want control over benefits!
Why This Is The Best Customizable Card in 2025?
Lifetime free • Custom 10X rewards • 5% cashback categories • Milestone benefits • Up to 16 lounge visits/year • Subscriptions • Fuel waiver • 45 days interest-free.
Best for: Adaptive users, shoppers, travelers, entertainment lovers
Card At a Glance
NIL (Lifetime Free)
NIL
Up to 10X Points (2.5% Value)
Up to 5% Milestone
Up to 4/Quarter
3.5% + GST
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | NIL |
| Annual Fee | NIL (Lifetime Free) |
| Customization Fee | ₹49-₹499/quarter (optional features) |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Lounge Access | Up to 4/quarter (₹399/quarter add-on) |
| Cash Advance Limit | 50% of credit limit |
Detailed Reward Rates (2025)
- Base: 1 RP per ₹100 (1% value) on all spends
- Custom 10X RP (₹299/quarter) on online/offline domestic/international (up to 10,000 RP/cycle)
- Custom 5X RP (₹199/quarter) on online/offline
- 5% Cashback (₹299/quarter) on apparel/grocery (up to ₹500/month)
- Milestone: 5% cashback up to ₹500 on ₹10K retail/30 days (3x/90 days)
- 1 RP = ₹0.25 vouchers/merchandise; no expiry
- No RP on fuel, rent, wallet, govt, education
Airport Lounge Access
- Up to 4 complimentary visits/quarter (16/year)
- Domestic lounges only (₹399/quarter add-on)
- Primary + add-on cardholder
- No spend criteria
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹10 Lakh personal accident cover
- Zero lost card liability
- 3 free add-on cards
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Lifetime free + customizable features | Quarterly fees for premium add-ons |
| Up to 10X RP + 5% cashback | High 3.5% forex markup |
| Up to 16 lounge visits/year | Exclusions on fuel/rent/wallet |
| Milestone cashback + subscriptions | Max 10K RP/cycle cap |
| Easy app customization every 90 days | 3.6% high interest rate |
Eligibility Criteria & Documents Required
- Age: 21-60 years
- Min Annual Income: ₹4,50,000
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, Salary slips/ITR, Bank statements
How to Apply Online (5-Minute Process)
- Visit AU Small Finance Bank website/app
- Fill details & check pre-approval
- Upload docs + video KYC
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
If you want flexible rewards tailored to your spends, customize for ₹10,000–₹20,000 value yearly. Best innovative card – must-have customizable option for 2025!
Frequently Asked Questions (FAQs)
Is it truly lifetime free?
Yes, no joining/annual fees; optional quarterly add-ons ₹49-₹499.
How to customize?
Via AU 0101 app every 90 days – choose rewards, cashback, lounges.
RP redemption?
₹0.25/RP for vouchers, merchandise, travel; no expiry.
Lounge access max?
4/quarter (16/year) with ₹399 add-on.