AU Small Finance Bank LIT Credit Card
AU Small Finance Bank · Visa · Entry card
A lifetime-free base card with optional paid feature packs for people who want to actively customise benefits.
Cost-conscious consumers who value modularity and zero fixed maintenance fees.
Terms checked 13 Sept 2026
- Annual fee
- Lifetime free
- Joining fee
- ₹0
- Base reward rate
- 0.3%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.3% |
| Groceries & essentials | 0.3% |
| Dining & delivery | 0.3% |
| Travel & hotels | 0.3% |
| Bills & utilities | 0.3% |
| Subscriptions & streaming | 0.3% |
| Beauty & wellness | 0.3% |
| Entertainment & movies | 0.3% |
| Offline store shopping | 0.3% |
| International spending | 0.3% |
| Insurance premiums | 0.3% |
| Healthcare & pharmacy | 0.3% |
| Other miscellaneous | 0.3% |
| Fuel & commute | 0% |
| House rent | 0% |
| Education & family | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- Not needed
- Monthly income requirement
- Approx. ₹25,000/month
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 4 items
Base-card Reward Points
Usage-based value1 point per ₹100 is recorded for eligible base-card retail spend; paid feature packs are not assumed.
Optional ₹199/₹299 5X or 10X online/offline reward packs, capped at 10,000 points per statement
Shown without a cash valueOptional grocery and apparel cashback packs, each capped at ₹1,000 per 30 days
Shown without a cash valueLifetime-free base card with 1 reward point per ₹100 on eligible retail spends
Shown without a cash value
Fees · 2 items
Lifetime-free annual fee
Recorded value ₹-0No annual card fee is recorded under the currently reviewed terms.
No fixed annual fee on the base card
Shown without a cash value
Spend milestones · 2 items
Optional ₹299 5% milestone cashback pack: up to ₹500 after ₹7,500 eligible spend per 30 days
Shown without a cash valueOptional ₹199 2% milestone cashback pack: up to ₹1,000 after ₹10,000 eligible spend per 30 days
Shown without a cash value
Airport lounge access · 2 items
Optional ₹399 lounge pack: one domestic airport lounge visit, maximum two visits per 90-day feature period
Shown without a cash valueOptional paid feature packs can add 5X/10X rewards, category cashback or lounge access for 90 days
Shown without a cash value
Fuel benefits · 1 item
Optional ₹49 fuel surcharge waiver pack
Shown without a cash value
Memberships · 1 item
Optional Amazon Prime and ZEE5 membership feature packs; all packs last 90 days and auto-renew unless disabled
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. The reviewed issuer material does not establish one universal numeric income threshold.
Other benefits · 1 item
Feature packs start at ₹49 per quarter and auto-renew unless disabled
Shown without a cash value
Other categories (9)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Welcome benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Lifetime-free base card with 1 reward point per ₹100 on eligible retail spends
- ✓ Optional paid feature packs can add 5X/10X rewards, category cashback or lounge access for 90 days
- ✓ No fixed annual fee on the base card
- ✓ Feature packs start at ₹49 per quarter and auto-renew unless disabled
What to watch
GainFair values only the base rewards. Paid feature packs require activation, remain active for their feature period and auto-renew unless disabled.
Recorded exclusions
Rent · Wallet load · Fuel Commute · Education Family
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026