AU Small Finance Bank
AU Small Finance Bank LIT Credit Card
Data Verified
Last checked: 1 Mar 2026Best for people whose spending patterns change — customize rewards monthly to match your current lifestyle.
India's first customizable credit card — choose 3 out of 9 benefit categories (fuel, travel, entertainment, dining, etc.) and get higher rewards only on what matters to you. Lifetime free with pay-what-you-use model.
CustomizableShoppingFuelDiningTravel
Annual Fee
FREE
Lifetime Free — no annual or renewal fee
Cashback
1%
Headline Rate
Forex Markup
3.5%
Standard Rate
Expert Verdict
"AU LIT is genuinely innovative. Instead of fitting your spending to a card's reward structure, the card fits to YOUR spending. Pick 3 categories (fuel, grocery, travel, dining, entertainment, healthcare, education, shopping, utility) and get boosted rewards. Change them every month via the app if your priorities shift. At ₹0 annual fee, it's the smartest card for people who don't want to carry 5 different cards. Verdict: India's most innovative credit card concept — customization at zero cost."
Key Privileges
Welcome BenefitInstant approval + pick your first 3 benefit categories
Fee WaiverLifetime Free — no annual or renewal fee
Interest Rate (APR)42%
Min. Income₹2.5 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score700
- Min. Income₹2.5 lakh per annum
- EmploymentSalaried/Self