AU Bank LIT Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Introducing India's First customizable Credit card, providing you with the freedom to choose the features that suit your needs. Enjoy a range of benefits and rewards with this card. Avail a complimentary 3-month membership of popular platforms like Zee5, Amazon Prime, and Cult.fit. Experience the best of entertainment, shopping, and fitness. Earn 1 Reward Point for every Rs. 100 spent on retail transactions, allowing you to accumulate rewards with every purchase. Get accelerated Reward Points with 10X or 5X on all your online and offline transactions. Maximize your rewards and earn even faster. Say goodbye to surcharges on fuel transactions between Rs. 400 to Rs. 5,000 with a convenient 1% surcharge waiver. Achieve your spending targets and enjoy cashback offers. Earn 5% and 2% cashback on your retail spends, making every purchase more rewarding. Experience additional 5% cashback on travel, dining, and grocery expenses, giving you more savings on your everyday expenses. For those who love luxury, enjoy the luxury of 4 complimentary lounge access per quarter. Relax and unwind in premium lounges whenever you travel. Customize your Credit card experience and enjoy the benefits that matter most to you. India's First customizable Credit card offers the flexibility and rewards that you deserve.

The AU Bank LIT Credit Card is an ideal choice for individuals who frequently indulge in Movies, Travel, Dining, Fuel, and Shopping.

With a joining fee and renewal fee of Nil, this card offers great value for your money.

Reward Points are the primary reward type for this card, allowing you to earn points for every transaction.

Furthermore, you can enjoy various welcome benefits such as 3 months of complimentary membership of Zee5 and Amazon Prime, and an additional 5% cashback for Dining expenses.

When it comes to shopping, this card truly shines.

You earn 1 Reward Point for every Rs. 100 spent on retail with the card.

Additionally, you can unlock 10X or 5X accelerated Reward Points for specific features, and enjoy additional cashbacks.

For frequent travelers, the AU Bank LIT Credit Card offers complimentary access to domestic lounges in India.

You can avail of 2 complimentary Airport Lounge Access every quarter, amounting to 8 each year.

Unfortunately, international lounge access is not available with this card.

The card does not offer any golf benefits or insurance benefits.

Spend-based waiver is also not applicable.

However, the rewards redemption fee is Nil, making it easy and hassle-free to redeem your hard-earned points.

When it comes to foreign currency spends, this card charges a foreign currency markup of 3.49%.

This is something to keep in mind if you frequently make purchases in foreign currency.

The interest rate for this credit card is 3.49% per month, which is comparable to other credit cards in the market.

Fuel transactions between Rs. 400 and Rs. 5,000 are eligible for a 1% fuel surcharge waiver.

Cash advances can be made using this card, with a transaction fee of 2.5% (minimum charge of Rs. 100).

It's important to be mindful of this fee when considering cash advances.

In conclusion, the AU Bank LIT Credit Card is a solid choice for individuals who enjoy Movies, Travel, Dining, Fuel, and Shopping.

With its range of benefits and rewards, it provides great value and convenience.