AU LIT Credit Card Review — India’s First Customisable Card

[!NOTE] The AU LIT is India’s first fully customizable credit card with a Lifetime Free (LTF) base. Core earning is just 1 RP per ₹100 (0.25%), but you can activate specific “feature packs” in 90-day blocks via the AU 0101 app. Want 10X rewards this quarter? Pay ₹299. Need lounge access for an upcoming trip? Pay ₹399 for 4 visits. Need lower forex? Subscribe to the discounted pack. It’s essentially a pay-as-you-use rewards card — great for people who manage actively, wasteful for those who don’t.

At a Glance

Annual Fee	₹0 — Lifetime Free
Joining Fee	₹0
Base Earning	1 RP per ₹100 spent (0.25% value at ₹0.25/RP)
10X Rewards Pack	₹299/quarter — 10X on all online & offline domestic/international transactions
5X Rewards Pack	₹199/quarter — 5X on all transactions
Airport Lounge	Optional paid pack — ₹399 for 1 visit per quarter (max 2 per 90-day block)
Fuel Surcharge Waiver	₹49/quarter — 1% waiver on ₹400–₹5,000 transactions
Foreign Exchange Markup	3.5% base (discountable to 1.5% or 0.99% via paid pack)

Pros

• Lifetime Free — no strings attached — ₹0 joining fee, ₹0 annual fee forever. You only pay for feature packs you activate
• Fully customizable — toggle specific reward accelerators, lounge, fuel waiver, forex discount, and memberships on/off via the AU 0101 app. Pay only for what you use
• 10X rewards potential — with the ₹299/quarter 10X pack, all retail transactions earn 10 RP per ₹100 (~2.5% return). That’s competitive with mid-premium cards
• Low entry cost for high earners — ₹299 for 3 months of 10X rewards is ₹1,200/year for unlimited high-rate earning. Most cards with similar rates charge ₹1,500–₹2,500 annual fee
• Amazon Prime & ZEE5 memberships — avail 3-month memberships via paid packs with spend penalties (₹5K for ZEE5, ₹10K for Amazon Prime) instead of upfront fees
• Milestone cashback option — ₹199 milestone pack unlocks additional 5% cashback on ₹10K+ spends and 2% on ₹15K+ spends
• ₹200 Amazon Pay voucher — pay ₹50 and meet ₹10K spend in 30 days to unlock
• Fuel surcharge waiver for just ₹49/quarter — cheapest fuel surcharge waiver among AU cards
• Reduced forex packs — subscribe to 1.5% or 0.99% forex markup for international trips via the app
• Card liability cover up to ₹1.5 lakh — zero liability on fraudulent transactions after reporting loss

Cons

• Base rate is brutally low — at 0.25% return, base earning on this card is pointless without active packs
• Feature packs expire in 90 days — all packs auto-renew. If you don’t disable auto-renewal on the AU 0101 app after 7 days from activation, you’ll be charged again
• Penalty charges on membership packs — miss the ₹5,000 spend target for ZEE5 within 90 days? ₹50 penalty. Miss ₹10K for Amazon Prime? ₹299 penalty
• No lounge access without paying — unlike almost every other card at this tier, lounge isn’t included. It’s a paid add-on
• ₹99 redemption fee per transaction — every RP redemption costs ₹99+GST. Batch redemptions to minimize fee impact
• Rent, wallet loads, fuel, government excluded — standard AU exclusions apply across all packs
• Requires active management — switching packs on/off, tracking 90-day expiry, monitoring spend targets for membership penalties — it’s not a set-and-forget card
• No UPI support — cannot earn rewards on UPI transactions

Rewards Earning

Base Reward Rate

Category	RP Earned	Value (at ₹0.25/RP)
All retail (base)	1 RP / ₹100	0.25%
With 10X Pack (₹299/qtr)	10 RP / ₹100	2.5%
With 5X Pack (₹199/qtr)	5 RP / ₹100	1.25%
Fuel	0 RP	0% (surcharge waiver via fuel pack ₹49/qtr)
Rent, Wallet, Government	0 RP	0%

[!TIP] Pack economics: The 10X pack at ₹299/quarter (₹1,200/year) needs ₹48,000 in annual retail spend just to recover the cost vs. base rate. If you spend <₹48K/year, the 5X pack at ₹199/quarter (₹800/year) might be cheaper. Do the math for your spend pattern.

Reward Point Redemption Value

Redemption Method	Value per RP
Statement Credit / Cashback	₹0.25
Brand Vouchers / Catalog	₹0.25
Airmiles	N/A (not supported)

[!IMPORTANT] Each redemption costs ₹99 + GST. Redeem larger batches of points (3,000+) to keep the fee under 10% of redemption value.

Airport Lounge Access

Lounge access on the AU LIT is not free. It’s an add-on:

[!IMPORTANT]

• Lounge Pack: Subscribe for ₹399 per 90-day block
• Benefit: 1 complimentary domestic airport lounge visit per quarter
• Max: Up to 2 visits per 90-day period
• Spend Requirement: None — but you pay for the pack upfront
• No international lounge access even with the pack

At ₹399 for 1 visit/quarter, that’s ₹1,600/year for unlimited lounge access. Compare with cards like AU Myntra (1 free visit/quarter at ₹500/yr fee).

Milestone Benefits

Feature	Trigger	Benefit
Amazon Pay Voucher	Spend ₹10,000 in 30 days (pack ₹50)	₹200 Amazon Pay e-Gift Voucher
5% Milestone Cashback	Spend ₹10,000+ (milestone pack ₹199)	Additional 5% cashback on eligible spends
2% Milestone Cashback	Spend ₹15,000+ (milestone pack ₹199)	Additional 2% cashback on eligible spends

Insurance Coverage

• Card Liability Cover: Up to ₹1.5 Lakh — zero liability on fraudulent transactions after card loss
• Credit Shield: Up to ₹1.5 Lakh

Fees & Charges

Fee	Amount
Joining/Annual Fee	₹0 (Lifetime Free)
10X Rewards Pack	₹299 per 90 days
5X Rewards Pack	₹199 per 90 days
Airport Lounge Pack	₹399 per 90 days
Fuel Surcharge Waiver Pack	₹49 per 90 days
Amazon Prime Pack	₹299 per 90 days
ZEE5 Pack	₹99 per 90 days
Forex Markup	3.5% (discountable to 1.5%/0.99% via pack)
Reward Redemption	₹99 + GST per transaction
Cash Withdrawal	₹250 per transaction
Late Payment	Sliding scale up to ₹1,000

Whois This Card For?

Ideal for:

• Users who want a Lifetime Free card and don’t mind paying small fees for specific features when needed
• Tech-savvy people who actively manage their credit card settings via the mobile app
• Those who want 10X rewards on ALL retail (not category-restricted like most cards) for a flat fee
• Travelers who need occasional lounge access or reduced forex markup without paying a premium card annual fee

Not ideal for:

• People who want a set-and-forget card — the LIT requires quarterly pack decisions
• Low spenders who won’t recover pack costs through rewards
• Users who just want lounge access without jumping through subscription hoops
• Anyone needing airport lounge access — the paid pack model is worse than ₹500 annual cards that include free lounge visits

The Verdict

[!NOTE] The AU LIT Credit Card is a genuinely innovative concept — a modular credit card where you pay for the features you need. For a Lifetime Free card, the flexibility is unmatched. The 10X pack at ₹299/quarter is legitimately good value if you spend enough to recover the cost.

However, the LIT demands active management. If you’re the type who sets up auto-pay and forgets about your card, you’ll either be overpaying for auto-renewed packs you forgot to cancel, or earning a pathetic 0.25% on all your spending. The penalty structure on membership packs is also annoying — you need to track spend targets for ZEE5 and Amazon Prime within 90 days or pay fines.

Bottom line: A LIT card makes sense as a secondary card for someone who already has a primary rewards card and wants to flexibly add specific benefits. As a primary card, it requires too much active management to be worth it for most people.

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Last verified against official AU Bank page on July 2, 2026. Feature pricing and availability verified via AU 0101 app feature terms.