M16S / AU Small Finance Bank / AU LIT Credit Card
entry · lifetime-free, rewards, cashback
AU LIT Credit Card
The AU LIT Credit Card charges no annual fee and no joining fee. The forex markup is 3.49%. Lounge visits in India: Paid feature: Rs 399 buys lounge access for 90 days, max 2 visits per 90 days. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- —
- Forex markup
- 3.49%
- Interest
- 3.75%a month
What changed on this card
- AU Bank changes fuel fair usage charge to 1% on all fuel spend, Jul 2026
From 1 July 2026 there is no charge if each fuel transaction is under Rs 10,000 and monthly fuel spend is under Rs 25,000. Above either limit, AU charges 1% on the entire monthly fuel spend. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% charge on transport spends above limits, Jun 2026
From 14 June 2026 AU charges 1% on the entire monthly transportation spend (MCC 4111, 4112, 4784) when it exceeds 50% of the credit limit or Rs 25,000, whichever is lower. IRCTC, some travel partners and ixigo AU cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% fair usage charge on fuel and utility spends, Aug 2024
From 15 August 2024 AU charges 1% on monthly fuel spends above 50% of the credit limit or Rs 50,000, whichever is lower, and 1% on monthly utility spends above Rs 50,000. Corporate and Purchase cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank sets card interest at 3.75% a month, Aug 2024
From 15 August 2024 the interest rate (APR) is 3.75% per month (45% per annum) on all AU credit cards except Zenith+, Corporate and Purchase cards. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Lifetime free. Benefits are bought as paid features, each valid 90 days and auto-renewing unless switched off in the AU 0101 app (switch-off possible only 7 days after activation). |
Rewards
| Reward currency | Reward Points |
|---|---|
| Point valueunverified | 1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page) |
| Accelerated earn | Paid features: 5X Reward Points Rs 199 per 3 months; 10X Reward Points Rs 299 per 3 months (all online/offline domestic and international spends) |
| Points expiry | 2 years from accrual (Card Member Agreement cl. 23.8) |
| Milestone benefits | Paid feature Rs 199: additional 5% cashback at Rs 10,000 spend and 2% at Rs 15,000 spend. Rs 50 feature: Rs 200 Amazon Pay voucher on Rs 10,000 spend in 30 days. |
| Reward notes | Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. Base earn rate is not printed on the product page, so base return is not computed. |
Travel and perks
| Domestic lounge | Paid feature: Rs 399 buys lounge access for 90 days, max 2 visits per 90 days |
|---|---|
| International lounge | None |
| Lounge conditions | Only while the lounge feature is active |
| Forex markup | 3.49% |
| Fuel surcharge waiver | Paid feature Rs 49: 1% waiver on Rs 400-5,000 fuel txns (not included by default) |
| Other freebies | Paid memberships: ZEE5 Rs 99 + GST per 3 months (spend Rs 5,000 in 90 days or Rs 50 penalty); Amazon Prime Rs 299 + GST per 3 months (spend Rs 10,000 in 90 days or Rs 299 penalty). Card liability cover and credit shield up to Rs 1.5 lakh. |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
| Cash advance fee | 2.5% of amount withdrawn, min Rs 500 |
| Eligibility | Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published. |
| Fine-print notes | Penalties are charged if a membership feature's spend target is missed. The bank may change or withdraw features without prior notice. LIT T&C page was linked but not read in full. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. |
Questions
- What is the annual fee of the AU LIT Credit Card?
- No annual fee.
- Does the AU LIT Credit Card give airport lounge access?
- Yes. In India: Paid feature: Rs 399 buys lounge access for 90 days, max 2 visits per 90 days. Outside India: none listed. Conditions: Only while the lounge feature is active
- What is the forex markup on the AU LIT Credit Card?
- 3.49% of each foreign-currency transaction, before GST.