AU LIT Credit Card

Rewards Details

Fees

Fuel Surcharge

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, available as a paid quarterly add-on activated via the AU 0101 app. Not active on the base card without explicit feature selection.

Eligibility

Key Features

• Lifetime free: ₹0 joining fee and ₹0 annual fee, unconditional with no spend threshold
• 1 Reward Point per ₹100 on all eligible UPI, POS, and online transactions; maximum 10,000 points per billing cycle
• Reward Points valued at ₹0.25 each, redeemable against the AU Rewardz catalogue
• 10,000 bonus Reward Points on spending ₹1,00,000 in the first 60 days of card issuance
• Customizable add-on features activated via AU 0101 app, auto-renewing every 90 days; fees range from ₹49 to ₹499 plus taxes per 90-day cycle
• Add-on: 5% cashback on travel, dining, grocery, electronics, and apparel, capped at ₹1,000 per 30-day period
• Add-on: 2% cashback on eligible retail spend above ₹7,500 per month, capped at ₹500 per 30-day period
• Add-on: up to 4 domestic airport lounge visits per 90 days
• Add-on: complimentary OTT subscriptions (ZEE5, Amazon Prime, Cult.fit)
• Add-on: 1% fuel surcharge waiver on ₹400–₹5,000 transactions
• Exclusions from reward earn: fuel, cash advances, EMI conversions, insurance premiums, government and utility payments
• Available in Visa (default) and RuPay variants; RuPay variant enables UPI credit-card linkage on third-party apps
• Salaried applicants age 21–60; self-employed applicants age 25–65