AU Small Finance Bank LIT credit card review: fees, rewards and eligibility
The AU Small Finance Bank LIT has a recorded annual fee of ₹0 and a base earn of 1 Reward Point per ₹100 on eligible retail spend. CardMasters checked its issuer terms on 2026-08-01. Affiliate commission never changes ranking; confirm final terms and approval with AU Small Finance Bank.
AU Small Finance Bank LIT: short answer
The AU Small Finance Bank LIT is in the entry tier of AU Small Finance Bank credit cards, with a joining fee of ₹0, an annual fee of ₹0, a base earn of 1 Reward Point per ₹100 on eligible retail spend and a 3.49% forex markup. Rewards are not earned on fuel, rent, cash advance, school, government. It suits customization, first card, experimenters spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
Reward structure
1 Reward Point per ₹100 on eligible retail spend
- Up to 10 Reward Points per ₹100 with a separately paid 90-day feature on selected online or offline paid feature — The 5X/10X feature includes the base point, is auto-renewed unless disabled, and has a separately displayed fee plus GST. CardMasters does not assume that a user bought this feature, so it is not mapped to generic online or offline spend.
- Up to 5% cashback with a separately paid 90-day feature on selected category or milestone paid feature (₹500 monthly cap) — Cashback conditions, thresholds, categories and feature prices vary. CardMasters does not assume a paid feature selection, so this route is not included in generic-spend value.
Eligibility and important limits
minimum age 21, maximum salaried age 60 AU publishes employment-specific age ranges and Indian residency, but no LIT-specific income or numeric bureau-score cutoff. Final approval remains with the issuer. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, cash advance, school, government, quasi cash.
Important limit: LIT has no joining or annual membership fee, but optional features carry separate 90-day fees plus GST and auto-renew unless disabled.
Frequently asked questions
What is the annual fee for the AU Small Finance Bank LIT?
The AU Small Finance Bank LIT currently has no annual fee in our record. Lifetime-free membership; optional features are priced separately for their stated duration and charged with GST..
How do rewards work on the AU Small Finance Bank LIT?
1 Reward Point per ₹100 on eligible retail spend. Accelerated routes include Up to 10 Reward Points per ₹100 with a separately paid 90-day feature on selected online or offline paid feature; Up to 5% cashback with a separately paid 90-day feature on selected category or milestone paid feature (₹500 monthly cap). Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the AU Small Finance Bank LIT?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, cash advance, school, government, quasi cash. Merchant category coding and issuer terms determine final eligibility.
Who should consider the AU Small Finance Bank LIT?
It is most relevant for people focused on customization, first card, experimenters. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the AU Small Finance Bank LIT worth it?
With no recorded annual fee, the AU Small Finance Bank LIT costs nothing to hold, so it is worth keeping if it adds a reward category or benefit your existing cards do not cover. A free card is still not worth using where another card in your wallet earns more.
What is the eligibility for the AU Small Finance Bank LIT?
The published minimum age is 21. AU publishes employment-specific age ranges and Indian residency, but no LIT-specific income or numeric bureau-score cutoff. Final approval remains with the issuer. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the AU Small Finance Bank LIT?
The recorded foreign-currency markup is 3.49% before GST. On ₹1,00,000 of international spend that is about ₹3,490 in markup, so compare it against any rewards earned on overseas transactions.
Does the AU Small Finance Bank LIT offer airport lounge access?
Domestic lounge access: available only as a paid selectable feature. International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.