How to Apply for AU LIT Credit Card

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AU LIT Credit Card is India’s first customizable credit card that allows applicants to build credit cards in the desired manner. From changing &selecting features based on lifestyle, switching features on/ off, and paying for the features, to tracking and managing them on the go in real time. 

Let us understand how to customize AU LIT Credit Card:

Step 1: To Start with the LIT journey, scan to download AU 0101 app and start building the LIT Credit Card.

Step 2: Go to the credit card homepage and click on “Manage Credit Card” to explore the available benefits and select favorite card features.

Step 3: Check the pricing of each feature and select one that suits the pocket and the lifestyle.

Step 4: Modify benefits as per the needs that are applicable for 90 days with auto-renewal enabled by default. The same can be disabled through the AU 0101 app.

Step 5: Manage and track cashback, and rewards from existing active benefits.

Types of AU Credit Cards:

Below mentioned are the different types of AU Bank Credit Card:

• AU Bank LIT Card
• AU Bank Altura Credit Card
• AU Bank Altura Plus Credit Card
• AU Bank Vetta Credit Card
• AU Bank Zenith Credit Card
• AU Bank Xcite Ace Credit Card
• AU Bank Xcite Credit Card
• AU Bank Xcite Ultra Credit Card

How to apply for the AU Bank LIT Card 

AU LIT Credit Card can be applied either online or offline modes both. Below mentioned are the steps to apply it online:

• Visit the official website of AU Bank.
• Click on “Cards” and then select “Credit Cards”.
• Finally, click on “LIT Credit Card”.
• Then go to the tab “Apply Now”.
• Fill in all the required details to proceed further.

To apply for the AU Bank LIT Credit via offline mode, visit the nearest bank branch and fill in the application form along with the documents required.

Features of AU LIT Credit Card

Below mentioned are the features of the AU LIT Credit Card:

• Shoppers’ Reward – Earn 5X/10X Reward Points:

Earn reward points on shopping and redeem them for exciting discounts and offers. 

One becomes 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

Note:

– Reward Points can be redeemed post-statement generation.

– Cash withdrawal, Fuel and EMI transactions will not be eligible for Program/Base Reward Points.

– Fuel, rent, and cash withdrawal transactions will not be eligible for Accelerated rewards i.e. 5X or 10X Reward Points.

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  Save More with Every Journey – Fuel Surcharge Waiver:

Get a fuel surcharge waiver when you refuel with your LIT Credit Card.

One becomes 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 spending using your LIT Credit Card.

One becomes 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.

Note:

– Cashback will be adjusted against outstanding dues on the Credit Card.

– Fuel, rent, and cash withdrawal transactions will not be eligible for Accelerated rewards i.e. 5X or 10X Reward Points.

 Do More Everyday – Category Cashback:

To meet daily expenses, spend more to save more i.e. earn cashback while using LIT Credit Card for groceries, dining, travel, electronics, and apparel.

One becomes eligible for:

• Additional 5% cash back for travel, dining, grocery, electronics, and apparel expenses in addition to 1 Reward Point per INR 100 spent.
• Max. cashback of INR 1,000 in each 30 days period.

 Note:

– Cashback will be adjusted against outstanding dues on the Card

• Traveller’s Comfort – Airport Lounge Access:

Provides the comfort of Airport lounges across India using LIT Credit Card: 

One becomes eligible for:

• Up to 4 visits per 90 days

• Fun & Fitness – Memberships:

It provides benefits in food delivery, dining, fitness, and entertainment. 

One becomes eligible for 3-month membership:

• 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.

 

• Card Liability Cover:

There is zero liability in case of an unfortunate event of loss of credit card (Up to INR 1,50,000 or the credit limit, whichever is lower) on any fraudulent transactions made with the credit card after reporting the loss to the bank. Also, it provides protection against Card Counterfeit/ Skimming and online fraud.

Credit Shield:

Up to INR 1.5 lakhs.

Eligibility Criteria

Below mentioned are the eligibility criteria to apply for AU Bank LIT Credit Card:

 

• Primary cardholders between the age of 21 years and 60 years.
• The add-on cardholder should be over 18 years.
• Resident Indian.

Fees & Charges

Below mentioned are the fees & charges in the case of an AU LIT Credit Card:

Type of Fees / Charges	Amount
Cash Advance Charges	2.5% amount withdrawn, subject to a maximum of 100
Cash Advance Limit	20% of the total credit limit
Late Payment Fees	For Statement Balance: Less than or equal to INR 100: Nil Above INR 100 & up to INR 500: INR 100 Above INR 500 & up to INR 5,000: INR 500 Above INR 5,000 & up to INR 10,000: INR 700 Above INR 10,000 & up to INR 20,000: INR 800 Above INR 20,000 & up to INR 50,000: INR 900 Above INR 50,000: INR 1,100