{"id":82247,"date":"2025-12-02T19:55:39","date_gmt":"2025-12-02T14:25:39","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=82247"},"modified":"2025-12-02T19:59:16","modified_gmt":"2025-12-02T14:29:16","slug":"au-small-finance-bank-lit-credit-card-lifetime-free-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/au-small-finance-bank-lit-credit-card-lifetime-free-card\/","title":{"rendered":"AU Small Finance Bank LIT Credit Card Lifetime Free Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Key Takeaways<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>AU Small Finance Bank LIT Credit Card comes with customisable features.<\/li>\n\n\n\n<li>\u00a0The card comes with no joining or annual renewal fee.\u00a0<\/li>\n\n\n\n<li>You can auto-renew the selected features every 90 days.<\/li>\n\n\n\n<li>The card offers 5x or 10x rewards on online\/offline spends, along with 5% cashback up to three times every 90 days.<\/li>\n\n\n\n<li>Available to Indian residents aged 21\u201360 (salaried) and 25\u201365 (self-employed).<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>Do you know that you can customise the features of the AU Small Finance Bank LIT Credit Card after every 90 days? It helps you select features as per your preference to maximise your rewards. On top of that, this is a <a href=\"https:\/\/piceapp.com\/blogs\/best-lifetime-free-credit-cards-in-india\/\">lifetime free card.\u00a0<\/a><\/p>\n\n\n\n<p>Explore the benefits, eligibility criteria, application process and charges for this card to enjoy a seamless application process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>AU Bank Lifetime Free Credit Card Benefits&nbsp;<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"317\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/AU-Small-Finance-Bank-LIT-Credit-Card-.png\" alt=\"\" class=\"wp-image-82361 size-full\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/AU-Small-Finance-Bank-LIT-Credit-Card-.png 500w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/AU-Small-Finance-Bank-LIT-Credit-Card--300x190.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/AU-Small-Finance-Bank-LIT-Credit-Card--150x95.png 150w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p>The AU Small Finance Bank LIT Credit Card is a fully customisable card that allows you to select features based on your needs and <a href=\"https:\/\/gradesfixer.com\/free-essay-examples\/importance-of-spending-habits\/\" target=\"_blank\" rel=\"noopener\">spending habits. <\/a><\/p>\n<\/div><\/div>\n\n\n\n<p>Apart from this, here are some of the key benefits you can enjoy with this card:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5X or 10X rewards on online domestic and international transactions (retail) and POS and contactless offline transactions. You can earn a maximum of 10,000 reward points each billing cycle.<\/li>\n\n\n\n<li>On fuel transactions between \u20b9400 and \u20b95,000, you can get a 1% fuel surcharge waiver.<\/li>\n\n\n\n<li>You can earn 5% cashback up to three times within 90 days, in addition to reward points.<\/li>\n\n\n\n<li>As a cardholder, you can get 1 reward point on every \u20b9100 retail spend (minimum retail spend of \u20b910,000 and maximum cash back of 500 within 30 days).<\/li>\n\n\n\n<li>The card offers an additional 2% cashback thrice within 90 days (minimum retail spend of \u20b915,000 with cashback of \u20b91,000 within 30 days).<\/li>\n\n\n\n<li>If you spend on groceries using your card, you can earn an additional 5% cashback up to \u20b9500 every 30 days.<\/li>\n\n\n\n<li>You can get up to 2 airport lounge visits per 90 days.<\/li>\n\n\n\n<li>The card offers up to \u20b91.5 lakh lost card liability and credit shield each.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>AU Bank Lifetime Free Credit Card Eligibility&nbsp;<\/strong><\/h2>\n\n\n\n<p>If you are an add-on cardholder, you need to be above 18 years old. However, the eligibility criteria for primary cardholders are as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>In case you are a salaried individual, you need to be between 21 and 60 years old.<\/li>\n\n\n\n<li>If you are <a href=\"https:\/\/www.coursera.org\/articles\/self-employed\" target=\"_blank\" rel=\"noopener\">self-employed<\/a>, you should be between 25 and 65 years old.<\/li>\n\n\n\n<li>You need to be a resident of India to apply for this card.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><a href=\"https:\/\/piceapp.com\/blogs\/idbi-lifetime-free-credit-card\/\">IDBI lifetime free credit card<\/a><\/td><td><a href=\"https:\/\/piceapp.com\/blogs\/bank-of-india-lifetime-free-credit-card\/\">Bank of india lifetime free credit card<\/a><\/td><td><a href=\"https:\/\/piceapp.com\/blogs\/indian-overseas-bank-lifetime-free-credit-cards\/\">Indian Overseas Bank lifetime free credit cards<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>AU Bank Lifetime Free Credit Card Application Process&nbsp;<\/strong><\/h2>\n\n\n\n<p>The application process for the AU Small Finance Bank LIT lifetime free credit card does not include offline or online form submission. Here is the process to apply for this card:<\/p>\n\n\n\n<p><strong>Step 1: <\/strong>Scan and download the AU 0101 app.<\/p>\n\n\n\n<p><strong>Step 2: <\/strong>Select the features of your customisable card.<\/p>\n\n\n\n<p><strong>&nbsp;Step 3: <\/strong>Select the pricing of your card.<\/p>\n\n\n\n<p><strong>Step 4: <\/strong>Switch features on\/off as you like.&nbsp;<\/p>\n\n\n\n<p>After this, you can even track and manage your credit card from the app.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>AU Small Finance Bank LIT Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>AU Small Finance Bank LIT Credit Card does not attract any joining fee or annual renewal fee. However, it attracts a cash advance fee of 2.5% or \u20b9500, whichever is higher.&nbsp;<\/p>\n\n\n\n<p>You can get an interest-free grace period between 18 days and 48 days with this card. However, if payments are delayed beyond this period, the following late payment charges will apply:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Outstanding Amount<\/strong><\/th><th><strong>Late Payment Charges Till 16th November 2025<\/strong><\/th><th><strong>Late Payment Charges from 17th November 2025<\/strong><\/th><\/tr><tr><th>Up to \u20b9100<\/th><th>Nil<\/th><th rowspan=\"7\">15% of the outstanding amount (minimum \u20b910 and maximum \u20b91,300)<\/th><\/tr><tr><th>Above \u20b9100 and up to \u20b9500<\/th><th>\u20b9100<\/th><\/tr><tr><th>Above \u20b9500 and up to \u20b95,000<\/th><th>\u20b9600<\/th><\/tr><tr><th>Above \u20b95,000 and up to \u20b910,000<\/th><th>\u20b9700<\/th><\/tr><tr><th>Above \u20b910,000 and up to \u20b920,000<\/th><th>\u20b9800<\/th><\/tr><tr><th>Above \u20b920,000 and up to \u20b950,000<\/th><th>\u20b91,100<\/th><\/tr><tr><th>Above \u20b950,000<\/th><th>\u20b91,300<\/th><\/tr><\/thead><\/table><\/figure>\n\n\n\n<p><em>To avoid missing your credit card bills and incurring late payment charges, simply add your AU Small Finance Bank LIT Credit Card to the PICE app and get regular reminders!&nbsp;<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>The AU Small Finance Bank LIT Credit Card makes spending smarter by offering both reward points and cashback on every \u20b9100 spent. The best part is that you can directly adjust your cashback against your <a href=\"https:\/\/upflow.io\/blog\/ar-collections\/outstanding-invoices\" target=\"_blank\" rel=\"noopener\">outstanding bill, <\/a>ensuring effortless savings each month.<\/p>\n\n\n\n<p><em>To make repayment even easier, download the <a href=\"https:\/\/piceapp.com\/\">PICE app<\/a>! It helps you track due dates, sends timely reminders and ensures you never miss a payment or incur late fees.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>FAQs<\/strong><\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1764672078846\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is there any annual fee for the AU Small Finance Bank LIT Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>AU Bank\u00a0 LIT Credit Card is a lifetime free credit card with no joining or annual fee. In addition, you can customise the features of this card based on your preference.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764672178564\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">When will I receive cash back on the AU Small Finance Bank LIT Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Once the 30-day period ends, you will receive your cashback for the concerned period within 5 days. This cashback will be adjusted with the outstanding balance.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764672190046\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Are the features auto-renewed on the AU Small Finance Bank LIT Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The features you select for the AU Bank LIT Credit Card remain valid for 90 days. After this period, it gets auto-renewed for the following 90 days.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764672197479\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Will I receive a membership with AU Small Finance Bank LIT Lifetime Free Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can get a ZEE5 membership for 3 months by spending \u20b95,000 within 90 days and an Amazon Prime membership for 3 months if you spend \u20b910,000 within 90 days.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764672206132\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How can I disable the auto-renewal of the AU Small Finance Bank LIT Credit Card features?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>If you do not want your features to be auto-renewed, you can disable them using the AU 0101 app. You can customise the features after every 90 days as per your preference<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways Do you know that you can customise the features of the AU Small Finance Bank LIT Credit Card after every 90 days? It helps you select features as per your preference to maximise your rewards. On top of that, this is a lifetime free card.\u00a0 Explore the benefits, eligibility criteria, application process and [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":82378,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-82247","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82247","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=82247"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82247\/revisions"}],"predecessor-version":[{"id":82393,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82247\/revisions\/82393"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/82378"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=82247"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=82247"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=82247"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}