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The AU Small Finance Bank LIT Credit Card is a customisable credit card that gives you the benefit of choosing and altering features and benefits. In this way, you can ensure that your credit card serves all your shopping and banking needs effortlessly. Personalise your card as per your needs, so you can make the most of your spends. 

Features and Benefits

Given below are the AU Small Finance Bank LIT Credit Card benefits:

Rewards on Retail Transactions

10X/5X reward points on online domestic and international retail transactions

Rewards on Offline Spends

10X or 5X reward points on offline expenses (domestic and international)


5% cashback up to Rs.500 for every 30 days, valid till 90 days

Lounge Access

Up to 4 complimentary airport lounge visits

Free Subscription

Free 3-month Zee5 subscription and Amazon Prime membership, and Cult pass subscriptions for at-home live workouts

Customisable Card

Choose tailor-made features that suit your unique needs

Eligibility Criteria

If you satisfy the AU Small Finance Bank LIT Credit Card eligibility conditions outlined below, you could potentially qualify for this credit card:

  • If you are the primary cardholder, your age must fall within the range of 21 to 60 years

  • For add-on cardholders, the minimum age threshold is 18 years

  • You are required to be an Indian resident


It's important to keep in mind that these eligibility criteria are provided as general guidelines and may be subject to variation based on individual circumstances.

How to Apply for the AU Small Finance Bank LIT Credit Card

To initiate your application process for the AU Small Finance Bank LIT Credit Card, you can follow these simple steps:

  1. Start by clicking on the 'Apply Now' button

  2. Provide all the necessary details, including your name, personal information, professional data, and any other required information

  3. Once you've filled out the form, you'll be presented with a list of available credit card options

  4. Choose this AU Small Finance Bank Credit Card

  5. Your application will be redirected to be taken forward

  6. Finally, complete your application by filling out the rest of the details


Your application will then be processed accordingly.

Customer Care Details

If you need to contact a customer care agent at AU Small Finance Bank, you have the following contact options available:

  • Email: You can reach them by sending a message to customercare@aubank.in.

  • Phone: Feel free to get in touch by calling either of these numbers - 1800-1200-1200 or 1800-26-66677.

Fees & Charges

Here are the general fees and charges applicable with the AU LIT Credit Card:

Type of Fees


Joining Fees


Annual Fees


Cash Advance Charges

2.5% of the withdrawn amount (minimum ₹100)

Interest Free Period

Up to 48 Days (Exception: Cash withdrawal)

Charges on Revolving Credit - Interest Charges

3.59% per month (43.08% annually) + GST

Late Payment Charges

Less than or equal to ₹100: Nil

Above ₹ 50,000: ₹1,100

Over-limit Charges

2.5% of over-limit amount (Minimum ₹500)

Disclaimer: Kindly refer to the official website or Most Important Terms and Conditions (MITC) document for details and a complete list of fees and charges.

Frequently Asked Questions

Can I get airport lounge access through the AU Small Finance Bank LIT Credit Card?

Yes, you can enjoy 4 complimentary airport lounge visits (applicable for 90 days). 

What are the AU Small Finance Bank LIT Credit Card joining fees?

This credit card is a lifetime-free credit card and hence, it comes with no joining fees. 

What are the AU Small Finance Bank LIT Credit Card reward point values?

Each reward point equals to ₹0.25.

How can I find my AU Small Finance Bank LIT Credit Card details?

You can find your card details on the AU 0101 digital-banking application or on your credit card welcome kit. 

How can I customise my AU Small Finance Bank LIT Credit Card benefits?

You can customise your credit card benefits on the AU Small Finance Bank website seamlessly. All you have to do is log in (https://pwa-cf-credit-card.aubank.in/Features/ManageFeatures/Login) and head to their ‘Manage Features’ section.   

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