With LIT Credit Card, you get the freedom to build it the way you like.
AU LIT Credit Card
Joining Fees: ₹0
Annual Fees: ₹0
*Applicable Taxes
Highlihgts:
- Select features as per your lifestyle
- Choose pricing as per your need
- Switch features ON/OFF as you wish
AU LIT Credit Card
India's 1st customisable Credit Card
AU LIT Credit Card - Power to choose features
Power to choose pricing
Power to switch on/off
Apply Now
Say hello to personalisation with custom features
Select features as per your lifestyle
Choose pricing as per your need
Switch features ON/OFF as you wish
Manage & Track features in real time
Features of LIT Credit Card
Shoppers’ Reward - Earn 5X/10X Reward Points
Shopping Gets Even More Rewarding!
Earn Reward Points as you shop and redeem them for exciting discounts and offers.
You are eligible for:
• 10X or 5X Reward Points on all online domestic & international retail transactions
• 10X or 5X Reward Points on all POS & Contactless offline domestic & international transactions
Reward Points can be redeemed post statement generation
Cardholders can earn a maximum of 25000 Reward Points in a statement cycle.
Base (1 Reward Points) and Accelerated Rewards( 10/5X Reward Points) will not accrue for Fuel, Rent, Cash withdrawal, BBPS, Quasi Cash and Education & Government Services transactions.
Transactions on Utilities (subject to maximum capping of 100 RP per transaction) and Insurance transactions will continue to earn Base reward (1 Reward) on every Rs. 100 spent and will not be eligible for Accelerated Rewards (10X/5X Reward Points)
Fuel Surcharge Waiver -Full tank, more savings
Every rupee you save adds up!
Get a fuel surcharge waiver when you refuel with your LIT Credit Card.
You are eligible for:
• 1% fuel surcharge waiver on all transactions between INR 400 to INR 5,000
Shop Till You Drop - Milestone Cashback
‘Add-to cart’ and ‘check-out’ – because it’s time to move ahead with your wish lists!
Get cashback on your retail spends using your LIT Credit Card.
You are eligible for:
Additional 5% Cashback
• Earn 5% cashback 3 times over a 90 days’ period.
• 5% cashback for retail spends in addition to 1 Reward Point per INR 100 spent.
• Minimum retail spends of INR 7,500 & max. cashback of INR 500 over a 30 day period.
Additional 2% Cashback
• Earn 2% cashback 3 times over a 90 days’ period.
• 2% cashback for retail spends in addition to 1 Reward Point per INR 100 spent.
• Minimum retail spends of INR 10,000 & max. cashback of INR 1,000 over a 30 days period.
- Cashback will be adjusted against outstanding dues on the Credit Card.
- Fuel, rent, BBPS transactions, and cash withdrawal, BBPS, Quasi Cash transactions will not be considered for Milestone achievement and for Cashback calculation.
Do More Everyday - Category Cashback
When it comes to your daily expenses, you can spend more to save more.
Earn cashback when you use your LIT Credit Card for groceries & apparel.
You are eligible for:
• Additional 5% cashback for grocery & apparel expenses in addition to 1 Reward Point per INR 100 spent.
• Max. cashback of INR 1,000 in each 30 days' period.
- Cashback will be adjusted against outstanding dues on the Card
Travellers’ Comfort - Airport Lounge Access
Hate long waits at airports?
Indulge in the comfort of Airport Lounges across India using your LIT Credit card.
You are eligible for:
• Up to 4 visits per 90 days
Fun & Fitness - Memberships
Now you’ll never have a dull moment!
Your LIT Credit Card brings food delivery, fitness & entertainment right to your door!
You are eligible for 3 Month Membership of:
• ZEE5 with 2,800+ blockbusters, 150+ web series, LIVE TV, Before TV, watch ad-free content on mobile, TV, Laptop, & Eduaurra competitive learning exams.
• Amazon Prime with unlimited free, fast delivery on eligible items, video streaming, ad-free music, free in-game content, exclusive access to deals & more.
• Cult pass Live subscription for at-home live workouts.
Please refer to the terms and conditions of all features.
Card Liability Cover
• In an unfortunate event of loss of Credit Card, you carry zero liability (up to INR 1,50,000 or your credit limit, whichever is lower) on any fraudulent transactions made with card after reporting the loss to the bank.
• Also, you are protected against Card Counterfeit/Skimming and Online frauds.
Please click here to view detailed terms and conditions.
Credit Shield
Up to INR 1.5 Lakhs.
Fees & Charges of AU LIT Credit Card
Types of Fees / Charges | Amount |
Cash Advance Limit | 20% of the credit limit |
Annual/Renewal Fee | Lifetime free |
Charges on Revolving Credit | 3.49% per month (41.88% annually) |
Cash Advance Charges | 2.5% of amount withdrawn, subject to a minimum of `100 |
Late Payment Charges | Total Amount Due/ Statement Balance - Late Payment Charges |
Less than or equal to INR 100 - Nil | |
Above INR 100 and up to INR 500 - INR 100 | |
Above INR 500 and up to INR 5,000 - INR 500 | |
Above INR 5,000 and up to INR 10,000 - INR 700 | |
Above INR 10,000 and up to INR 20,000 - INR 800 |
AU LIT Credit Card is a lifetime free Credit Card.