AU Small Finance Bank
Platinum · LIT
AU LIT Credit Card
AU Small Finance Bank
Lifetime free Visa Platinum with 2% cashback on online and 1% on offline
Annual Fee
Free
Joining Fee
Free
Reward Rate
2.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹6,000
Total Annual Benefits
₹6,000
Total Annual Charges
₹0
ROI
9999%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Cashback Benefits (2)
2% Cashback on Online Spends
Earn 2% cashback on all online transactions
- • Valid on all online merchant transactions
- • Capped at ₹500 per month
2% cashback online
1% Cashback on Offline Spends
Earn 1% cashback on all offline transactions
- • Valid on all POS and offline transactions
- • Capped at ₹250 per month
1% cashback offline
Other Benefits (1)
Lifetime Free Card
No joining fee, no annual fee — lifetime free
₹0 forever
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹200 per statement cycle
1% waiver
₹2,400/yr
Reward Program
Program
AU Cashback
2% online, 1% offline
Effective cashback: 2.00%
Points expire: Credited monthly as statement credit
Redemption Options
- → Automatic statement credit
Bonus Categories
Online
2x multiplier
2% cashback on all online transactions
Offline
1x multiplier
1% cashback on all offline transactions
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Lifetime free |
| Annual Fee | Free Lifetime free |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹750
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- Free
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹200/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,40,000
- Min. Credit Score
- 680
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹20,000
- • Self-Employed: ITR > ₹2.4 Lakh p.a.
- • Age 21–65 years
Airport Lounge Access
Domestic
0 visits/year
Not available
International
0 visits/year
Not available
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Visa Platinum privileges Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility Lifetime free — no joining or annual fee Direct cashback — no points to redeem
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The AU LIT Credit Card is a lifetime-free Visa Platinum card offering 2% cashback on online spends and 1% cashback on offline spends. With no annual f...
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