"India's only fully customisable credit card โ choose your own benefits each month: OTT subscription, lounge access, cashback, wellness or fuel rewards"
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Quick Summary
๐ณ Joining Fee
โน499 + GST
๐ Renewal Fee
โน499 + GST
Waived: Annual fee waived on spending โน40,000 or more in the previous membership year
๐ฏ Best Suited For
Tech-savvy users who want control over their credit card benefits; those whose needs change month to month โ sometimes needing lounge access, sometimes OTT, sometimes cashback; those wanting maximum flexibility at a low base cost
๐ Reward Type
LIT Rewards โ customisable based on selected benefit plan each month; cashback or Reward Points depending on plan activated
๐ Welcome Benefit
499 bonus Reward Points on spending โน499 within 30 days of card activation (worth โน499 or as cashback)
๐ฐ Reward Rate
Base earn: 1 RP per โน100 on all eligible spends (0.25% effective); activated benefit plans add additional earn rates โ cashback plan: 1% on all spends; online shopping plan: 2% on online spends; each plan has its own earn rate, category and monthly fee
โ๏ธ Lounge Access
2 complimentary domestic airport lounge visits per quarter on activating the Lounge Access plan (โน99 per month) and meeting spend conditions; if Lounge plan not activated, no lounge access
๐ต Cashback Rate
Varies by activated plan โ 1% on all spends (general cashback plan) to 2% on specific categories
India's only customisable credit card โ unique proposition
Choose benefits that match your monthly needs
Low โน499 base fee with easy โน40K waiver
OTT subscription plans can subsidise Netflix, Hotstar, Prime
Lounge access when you need it, OTT when you don't
Accessible eligibility (โน15K monthly income)
โ Cons
Monthly plan activation fees add to total cost โ can exceed card value if multiple plans activated
Base card with no plans earns only 0.25% โ very poor standalone
High forex markup 3.5%
Plan availability changes โ cannot always rely on specific plans being available
Complex product โ requires active app management monthly
Not suitable for those wanting simple consistent benefits
๐ Rewards & Benefits
Reward Type
LIT Rewards โ customisable based on selected benefit plan each month; cashback or Reward Points depending on plan activated
Welcome Benefits
499 bonus Reward Points on spending โน499 within 30 days of card activation (worth โน499 or as cashback)
Reward Rate
Base earn: 1 RP per โน100 on all eligible spends (0.25% effective); activated benefit plans add additional earn rates โ cashback plan: 1% on all spends; online shopping plan: 2% on online spends; each plan has its own earn rate, category and monthly fee
Reward Redemption
AU LIT app: toggle and manage plans; cashback credited as statement credit if cashback plan selected; RPs redeemable via AU Bank rewards platform at 1 RP = โน0.25; all plan selection via app
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations on transactions โน400 to โน5,000
Lounge Access
2 complimentary domestic airport lounge visits per quarter on activating the Lounge Access plan (โน99 per month) and meeting spend conditions; if Lounge plan not activated, no lounge access
Spend Based Fee Waiver
Annual fee waived on โน40,000 annual spend
Milestone Benefits
Annual fee waiver on โน40,000 spend; customisable monthly plan benefits
Other Benefits
Customisable monthly benefit plans examples: OTT Pack (Netflix, Hotstar, Prime at subsidised cost), Shopping Pack (2% cashback on online), Lounge Pack (domestic lounge access), Wellness Pack (gym and spa discounts), Fuel Pack (extra fuel rewards); plans activated via AU LIT app; plan selection resets monthly โ maximum flexibility
โจ Special Perks & Exclusive Offers
Memberships
OTT memberships and subscriptions available via benefit plan activation
Insurance Cover
Zero liability on timely card loss reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
India's only customisable credit card; OTT, lounge, cashback, shopping, wellness, fuel plans available monthly
๐ณ Fees & Interest Rates
Joining Fee
โน499 + GST
Annual Fee / Renewal Fee
โน499 + GST โ Waived on: Annual fee waived on spending โน40,000 or more in the previous membership year
Interest Rate (APR)
๐กPay your balance in full each month and this never applies to you.
3.49% per month (41.88% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โน500
Late Payment Charges
As per AU Bank prevailing slab
Over Limit Charges
As per AU Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Monthly plan activation fees add to total cost (โน49 to โน199 per plan); base card with no plans earns only 0.25% โ very poor standalone; plan availability changes โ cannot always rely on specific plans; high forex markup 3.5%
๐ Eligibility & Credit Limit
Eligibility Criteria
Age 21 to 60 years; Indian resident; salaried or self-employed; minimum monthly income โน15,000+; good credit history
American Express 
AU Small Finance Bank 
Axis Bank 
Bank of Baroda 
Federal Bank 
HDFC Bank 
HSBC Bank 
ICICI Bank 
IDFC First Bank 
Indusind Bank 
Kotak Bank 
RBL Bank 
SBI Card 
Standard Chartered Bank 
YES Bank 
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