With LIT Credit Card, you get the freedom to build it the way you like.

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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
  • Manage and Track features in real time
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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.