AU Bank LIT Credit Card
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Best for: GenZ and Millennials, Entertainment and Lifestyle benefits
Lounge Access: Yes
Joining Fee: Free
Annual Fee: Free
Foreign Transaction Fee: ₹3.49% + GST
Interest Rates : 41.88% annually
Lounge Access: Yes
Min Credit Score: 700
Minimum Salary: ₹25000
Minimum Business Income: ₹500000
The AU LIT Credit Card stands as a unique financial product tailored to match your lifestyle preferences. With a lifetime-free card that offers a wide range of benefits like customised welcome gifts and a 3-month complimentary OTT membership, it's a card designed for versatility. Specialized features such as up to 10X rewards on spending, premium memberships to OTT platforms and Cult.fit, and various cashback offers make it a robust choice for any cardholder. A range of added security features ensures peace of mind, making the AU LIT Credit Card a premium, all-purpose financial tool that truly adapts to your needs.
Features
- Get a 1% fuel surcharge waiver on INR 400-5000 spending.
- Upto 10X reward on online and offline spending.
- Premium membership to OTT and Cult.fit.
Welcome Offer
- Customised based on the card selected
- Movies: 3 months complimentary membership to OTT
- 4 complimentary domestic lounge access.
Rewards
- Earn 1 reward point per ₹100 spent on all retail transactions. Reward points can be redeemed for cashback, gift vouchers, and more.
- Earn an additional 5% cashback on retail spends upon reaching specific milestones. For every ₹100 spent, earn ₹5 as cashback. Minimum retail spends of ₹7,500 required over a 30-day period to qualify. Cashback is adjusted against outstanding dues on the credit card.
- Earn 5% cashback on groceries and apparel expenses. For every ₹100 spent, earn ₹5 as cashback. Cashback is adjusted against outstanding dues on the card.
- Earn up to 10X reward points on online and offline transactions, both domestic and international. For every ₹100 spent, earn up to 10 reward points. Reward points can be redeemed for various options, including cashback and gift vouchers.
Redeemption Rate
- Cashback (1RP = ₹0.25)
- Gift Vouchers (1RP = ₹0.5)
- Flight and Hotel Bookings (1RP = ₹0.4)
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Pros
- 4X reward points on every spend
- Up to 10% cashback on brands like Swiggy, Zomato, Cure.fit, etc.
- Free yearly subscription to SonyLIV Premium
- Airport lounge access with a spend of ₹10,000 in the previous month
Cons
- Lounge access is limited
- No complimentary insurance benefits
- High forex markup charges
Frequently Asked Questions
The AU Bank LIT Credit Card offers a rewarding experience for young adults and students. It's designed to help you build your credit history and gain financial independence. With its features like rewards and benefits tailored to a younger demographic, the AU Bank LIT Credit Card helps you navigate your financial journey with ease and confidence.
Yes, the AU Bank LIT Credit Card is designed for young adults and students aiming to build credit responsibly. It's often a great first credit card option.
Specific rewards and benefits vary and are subject to change, but often include cashback or reward points on select purchases. Check the official AU Bank website for the most up-to-date details on rewards.
The annual fee, interest rates, and other applicable charges for the AU Bank LIT Credit Card are subject to change and are specified in the cardholder agreement. It's always best to refer to the most recent information available directly from AU Bank.
To apply for the AU Bank LIT Credit Card, visit the official AU Bank website or contact their customer service directly. You'll typically need to meet certain eligibility requirements.