AU LIT Credit Card
AU · VISA★ 4.1/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
2% on Online Shopping
2% cashback on online spends (customisable)
2% on Utility Bills
2% cashback on utility bill payments
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
Milestone Bonus
~₹1,000 in bonus rewards on hitting annual spend milestones
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
2.0%
online shopping cashback
1.0%
Base rate (all other spends)
- 2.0% cashback on online shopping
- 1.0% on all other spends — no restrictions
AU LIT is India's only fully customisable credit card. Vijay activates the OTT cashback module in summer (10% on Netflix, Prime, Hotstar) and switches to the travel module for his December holidays. Each quarter he picks the modules that match his spending — paying only for what he actually uses.
Who is this for?
For users whose spending patterns change significantly across the year — heavy OTT spend in monsoon, travel in winter, shopping during sale season. If you feel most cashback cards reward only one type of spending, AU LIT lets you rotate the benefit quarterly.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | cashback | 2% | — |
| Utility Bills | cashback | 2% | — |
| Other | cashback | 1% | — |
Online Shopping: 2% cashback on online spends (customisable)
Utility Bills: 2% cashback on utility bill payments
Other: 1% cashback on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
Milestone cashback/points on quarterly spend target
Should you get it?
- Best for: Everyday spenders, Online shoppers
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Online Shopping (2% back).
Pros
- No joining or annual fee — lifetime free
- Simple, accessible entry/mid-tier card
- Can be linked to UPI for everyday payments
Cons
- Reward caps may limit value for very high spenders
- Fewer premium travel and lifestyle perks
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The concern
The card only works if you actively manage it — passive holders get one of the weakest default earn rates in the market.
Bottomline
CardAdvisor Rating: 4.1 / 5LIT is a clever idea executed reasonably well: rotate benefits to match your season of spending. Power users who actively manage the modules extract real value; everyone else forgets to switch and earns the unremarkable base rate.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the AU LIT Credit Card are taken from AU's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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