Credit cards are unique, but what makes them more appealing is the ability to personalize their benefits. Customers can now get self-customizable credit cards from the bank. They are also convenient and well-liked by a large number of people. Therefore, AU Bank LIT Credit Card has been introduced. It enables you to customize the credit card to your specific requirements. Furthermore, you can manage and track all of these features while on the go in real-time. AU Bank LIT Credit Card benefits, on the other hand, include 5x-10x reward points, a fuel surcharge waiver, milestone benefits, cashback, exclusive membership, and many more.
Dive deeper into this article to understand all about the AU Bank LIT Credit Card.
AU Bank LIT Credit Card: Benefits and Features
The AU Bank LIT Credit Card has emerged as India’s number one customizable credit card. It however gives you complete freedom to choose the benefits as per your preference. Further, the features that come along with this credit card can be on/off easily based on your lifestyle. Moreover, it comes with a feature that allows you to calculate the benefits of the LIT Credit card as per your spending pattern.
Check down the benefits and features of the LIT AU Bank Credit Card:
Shoppers Reward
Every time you shop using the LIT Credit Card you can earn a reward on them. Furthermore, the rewards points can be redeemed to get exciting offers. These are the rewards points you can earn on your shopping:
- Avail 10X or 5X Reward Points on all online domestic & international retail transactions.
- Making transactions on all POS & Contactless you will get 10X or 5X Reward Points. However, it is applicable to both offline domestic & international transitions.
Reward points can be redeemed in a post-statement generation. Further, you can not redeem them over Cash withdrawal, Fuel, and EMI transactions.
Fuel Surcharge Waiver
Get up to a 1% fuel surcharge waiver using the LIT AU Bank Credit Card. Further, it is applicable on transactions between INR 400 to INR 5000.
Milestone Cashback
You can earn cashback on your retail spending. However, you can not adjust the milestone cashback against outstanding dues. Here are the milestone cashback benefits you can earn on your LIT Credit Card:
Additional 5% Cashback
- Get up to 5% cashback for your retail spending. Further, 1% cash back for spending INR 100.
- You can earn 5% cashback 3 times over a 90 days period.
- To reap the benefits you need to spend a minimum of INR 7500.
INR 500 cashback is provided to you every 30-day period.
Additional 2% Cashback
- You can receive up to 2% cashback three times in 90 days.
- For every IRN 100 spent, you will receive one reward point. Additionally, 2% cashback on all retail purchases.
- This category offers a cashback of INR 1000 every 30 days.
- You must spend at least INR 10,000 to be eligible for the 2% cashback.
Category Cashback
You can save a lot on your daily expenses using the AU Bank LIT Credit Card. You can however earn cashback every time you pay for groceries, dining, travel, electronics, and apparel using a LIT Credit Card. Moreover, you can adjust the cashback against outstanding dues on the Card. Below are the cashback percentage you can earn from this credit card:
- Avail 5% cashback for spending on travel, dining, grocery, electronics, and apparel.
- Get 1 reward point for spending INR 100.
- The maximum cashback you can earn is INR 1000 every 30 days.
Airport Lounge Access
Complimentary domestic Airport Lounge Access. However, the visits are limited to up to 4. In addition, you can avail of the lounge visits after every 90 days.
Fun and Fitness Membership
The AU Bank LIT Credit Card is super fun and provides amazing membership plans to you. Hence, keeping in mind entertainment and fitness the card offers membership plans. Mentioned below are the Fun and Fitness Membership plans for you:
- ZEE5 Membership: It includes access to 2,800+ blockbusters, 150+ web series, and LIVE TV. Further, you can watch TV episodes before TV, watch ad-free content on mobile-TV-Laptop, & Eduaurra competitive learning exams.
- Amazon Prime Membership: It entitles you to unlimited free and fast delivery on eligible items. Further, enjoy video streaming, ad-free music, free in-game content, exclusive access to deals & many more.
- Cult Pass Live: This subscription allows you to do live workouts at home.
Zero Loss Card Liability Cover
However, if your LIT AU Bank Credit Card is lost, counterfeit, or stolen, you will not be held liable. It is also due to the Zero Loss Card Liability Cover. The zero liability provided to you is limited up to INR 1,50,000 or your credit limit. Hence, whichever is low. In addition, you will also receive a Credit Shield of INR 1.5 lakhs.
AU Small Bank LIT Credit Card: Fees and Charges
You didn’t have to pay any AU Bank LIT Credit Card charges to obtain it. It is because the LIT Credit Card is a Lifetime Free Credit Card. Further, it comes under the list of Best Lifetime Free Credit Cards in India.
AU Small Finance Bank LIT Credit Card: Eligibility Criteria
You should first check the credit card eligibility requirements before applying. It is an important aspect as it increases the chances of application approval.
The eligibility criteria required for AU LIT Card:
- As per the bank only Indian citizens are eligible to apply for the AU LIT Card.
- Add-on cardholder age should be above 18 years.
- Anyone between the age of 21 to 60 years can apply for it.
Why should you purchase the AU Bank LIT Credit Card?
AU Bank Credit Cards are pioneers in their respective field. However, the banks have created an impact by launching the all-new customizable credit card. Therefore, when you dig deeper, you will be amazed at how many features it has. As a result, the market has become merged with the end number of customizable cards. However, what distinguishes the LIT AU Credit Card is the set and change feature that it offers based on your lifestyle preferences. Furthermore, it includes a variety of options that you will undoubtedly enjoy.
As a result, here is a quick summary of why you should get the AU Bank LIT Credit Card:
- It offers the power to change and select the features of a credit card as per your lifestyle demands.
- You have the complete power to switch the features on and off.
- Manage and track the features of your credit card in real-time using the AU 0101.
- Select the price for the card as per your budget.
Hence, you are not just getting to customize the benefits. Additionally, you can also set the budget for your card by yourself. This however depends on the features you are selecting. Lastly, this all makes the AU LIT Credit Card one of the Best Credit Cards as per other customizable credit cards.
How can you Customize your AU Bank LIT Credit Card?
Follow these steps to customize your credit card:
- Download the AU 0101 app and search for AU Bank LIT Credit Card.
Navigate to the Credit Card Home Page. - Select Manage Credit Card from the drop-down menu. However, you can pick your preferred features here.
- Continue to double-check the pricing of each feature you add.
- Choose a price for your customizable card. You can, however, change it according to the features.
- Your personalized credit card is now available. Furthermore, you can modify the benefits and features as your needs change.
- Turn off the auto-renewal of any features you’ve chosen because they will be renewed automatically in 90 days.
- Keep track of and manage all of your expenses.
Conclusion
The AU Small Finance LIT Credit Card is one of the best credit cards for customization. It also allows you to customize the benefits based on your preferences. However, you can get benefits like fuel surcharge, rewards points, cashback, and much more here. Further, it is an excellent credit card for anyone looking for cashback. Additionally, the cashback you earned here, can even be used to pay off your outstanding balance. Furthermore, you have complete control over the card’s budget. Moreover, please contact the AU Bank Customer Care team if you have any concerns or questions.