LifestyleVisaRuPayEntryActive
AU LIT Credit Card
AU Small Finance Bank
Joining FeeLifetime FreeRenewal FeeLifetime Free
Last verified: 26 Sept 2026
Reward Program
AU Reward Points1 point = ₹0.25
Redemption fee: 99
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Managed via AU Rewardz
Transfer partners
AU Rewardz general redemption at 1 Reward Point = ₹0.25 — the strict Rule 5 maximum.Gift cards, vouchers and e-vouchers at 1 Reward Point = ₹0.20 — a SEPARATE and worse channel, 20% below the general rate, applicable to all AU card variants.₹99 + GST is charged on EVERY successful redemption, whichever channel is used.
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Fuel Surcharge Waiver
Not available as standard. AU's Schedule of Charges states plainly that the fuel surcharge waiver is 'not applicable on LIT Credit Card' — on LIT it is a paid feature, bought for ₹49, which then gives 1% on transactions between ₹400 and ₹5,000.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | Lifetime Free |
| Renewal Fee | Lifetime Free |
| Forex Markup | 3.49% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Reward Redemption Fee | 99 |
