AU Bank LIT Credit Card

Welcome to our detailed exploration of the AU Bank LIT Credit Card. In this comprehensive review, we’ll delve into the world of this exciting credit card, highlighting its unique features, enticing benefits, and the straightforward application process. Whether you’re an experienced credit card user or new to the world of credit, join us as we uncover the opportunities that the AU Bank LIT Credit Card has to offer.

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AU Bank LIT Credit Card

Key Highlights of AU Bank LIT Credit Card

Joining Fee Nil
Annual Fee Nil
Most Suitable For Rewards, Cashback, Milestone benefits, Fuel, Airport Lounge access
Rewards 10X or 5X reward points on online and offline purchases(using POS machines)

Features and Benefits of AU Bank LIT Credit Card

Shopping Rewards:
Earn 10x or 5x Reward Points on all your purchases, whether you’re shopping online or offline, in India or abroad.

Milestone Cashback:
With LIT Credit Card, you can get extra cashback! Get 5% or 2% cashback on your retail spending, plus earn one reward point for every INR 100 spent.

Fuel Surcharge Waiver:
Say goodbye to fuel surcharges! You’ll get a 1% waiver on fuel transactions ranging from INR 400 to INR 5,000.

Category Cashback:
Enjoy 5% cashback on various categories like travel, dining, groceries, apparel, and electronics. Also, earn one reward point for every INR 100 spent.

Airport Lounge Access:
Relax before your flight! Access up to 4 airport lounges every quarter.

Memberships:
As a cardholder, you’re eligible for 3 months of free membership for ZEE5, Amazon Prime, and Cult.fit. Enjoy the benefits of these memberships at no extra cost.

AU Bank LIT Credit Card Fees and Charges

Types of Fees/ChargesAmount
Cash Advance Limit20% of the credit limit
Annual/Renewal FeeLifetime free
Charges on Revolving Credit3.49% per month (41.88% annually)
Cash Advance Charges2.5% of amount withdrawn, subject to a minimum of INR 100
Late Payment Charges 
Total Amount Due/Statement BalanceLate Payment Charges
Less than or equal to INR 100Nil
Above INR 100 and up to INR 500INR 100
Above INR 500 and up to INR 5,000INR 500
Above INR 5,000 and up to INR 10,000INR 700
Above INR 10,000 and up to INR 20,000INR 800

AU Bank LIT Credit Card Eligibility

  • The main person applying for the credit card should be between 21 and 60 years old.
  • Additional cardholders can be added, but they must be over 18 years old.
  • The credit card is available only to Indian residents.

Documents Required for AU Bank LIT Credit Card

For KYC verification, you can use the following documents:

  • Proof of Identity:
    Passport
    Voter’s ID Card
    Driving Licence
    Aadhaar Letter or Card
    NREGA Card
    PAN Card
  • Address Proof:
    Utility Bills (such as electricity, water, gas, etc.)
    Ration Card
    Passport
  • ID Proof:
    Aadhar Card
    PAN card
    Driving License
    Voter ID Card
  • Income Proof (for Salaried individuals):
    Last 3 Salary Slips
    Bank Statements

How to apply for AU Bank LIT Credit Card?

You can apply for the AU Bank LIT Credit Card in two ways: online or offline. Here’s how:

Online Application:

  1. Go to AU Bank’s official website.
  2. Click on the ‘Cards’ section and choose ‘Credit Cards’ and then ‘LIT Credit Card.’
  3. Click ‘Apply Now.’
  4. Fill in the required details in the application form.
  5. Submit the form online.

Offline Application:

  1. Visit the nearest AU Bank branch.
  2. Request the credit card application form.
  3. Fill in the form with the necessary information.
  4. Attach the required documents.
  5. Submit the filled form and documents at the branch.

Whichever method you choose, the bank will review your application and get back to you regarding the status of your credit card application.

Frequently Asked Questions (FAQs) -

AU Bank LIT Credit Card is a financial product offered by AU Small Finance Bank. It is a credit card designed to provide various benefits and features to cardholders, including rewards, discounts, and convenience in payments.

You can apply for AU Bank LIT Credit Card through the official website of AU Small Finance Bank. The application process typically involves filling out an online form, submitting necessary documents, and meeting the bank’s eligibility criteria.

Eligibility criteria may vary, but generally include factors such as age, income, credit score, and residency. To know specific eligibility requirements, it’s recommended to check the bank’s official website or contact their customer service.

AU Bank LIT Credit Card comes with features such as cashback on transactions, rewards points on purchases, discounts on partner merchants, and other benefits. It may also offer contactless payment options and exclusive privileges.

You can check your credit card statement through the bank’s online banking portal or mobile app. The statement provides a detailed overview of your transactions, outstanding balance, due dates, and other relevant information.

Yes, AU Bank LIT Credit Card typically allows online payments. You can use the bank’s online portal or mobile app to make payments, and it may also support third-party payment platforms.

Credit card fees, including annual fees, may vary. It is advisable to review the terms and conditions or contact the bank’s customer service to get accurate information about fees associated with AU Bank LIT Credit Card.

Redemption of rewards points is usually done through the bank’s rewards program. This can be done online, and options may include cashback, gift vouchers, or discounts on partner merchants. Details on redemption are typically available on the bank’s website.

In case of loss or theft, you should immediately contact the bank’s customer service helpline to report the incident. The bank will guide you through the process of blocking the card and issuing a replacement.

You can contact AU Small Finance Bank’s customer support through their official website, phone numbers provided on the card, or by visiting a local branch. They are available to assist with any queries, concerns, or assistance you may need regarding your credit card.