3ASAU Small Finance BankAU LITNo annual fee · IN
No Annual Fee · India
AU LIT Credit Card
3.9 / 5 editorial score
Best for: people who want a lifetime free card and are happy to pay small fees only for the features they switch on.
Annual feeNo annual fee
IssuerAU Small Finance Bank
NetworkVisa or RuPay
Welcome offerSee issuer for the current offer
Interest rateSee issuer
Foreign feeSee issuer
Who qualifiesResident Indian; salaried 21 to 60 y…
Why it ranks
- No joining or annual fee
- You pay only for the features you use
- Features can be switched off at renewal
What holds it back
- Each benefit costs extra, and GST applies on feature fees
- Base rate of 1 point per ₹100 is low
- Membership features carry a penalty if spend targets are missed
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
AU LIT is a lifetime free card from AU Small Finance Bank that you build yourself. You pay a small fee per 90 days only for the features you switch on, such as 10X points, category cashback or lounge visits.
AU LIT Credit Card at a glance
| Issuer | AU Small Finance Bank |
| Card network | Visa or RuPay |
| Annual fee | Lifetime free (optional paid features, charged per 90 days) |
| Welcome bonus | See issuer for the current offer |
| Rewards rate | 1 Reward Point per ₹100 base (up to 10,000 points a cycle); optional paid features add 5X or 10X points on online or offline spends, 5% cashback on grocery or apparel, or 5% or 2% milestone cashback |
| Intro APR | None |
| Regular APR | See issuer |
| Foreign transaction fee | See issuer |
| Airport lounge access | No complimentary access; the paid Airport Lounge feature gives 1 domestic visit for ₹399, up to 2 per 90 days |
| Credit needed | Resident Indian; salaried 21 to 60 years, self-employed 25 to 65 years; see issuer for income |
| Best for | People who want a free card and will pay only for the benefits they use |
Key features
- Features are switched on in the AU 0101 app and last 90 days, with auto-renewal
- 10X Reward Points on online or offline spends for ₹299 per 90 days (5X for ₹199)
- 5% cashback on grocery (₹299) or apparel (₹199) per 90 days, capped per 30-day cycle
- Domestic airport lounge visit for ₹399 each, up to 2 per 90 days
- 1% fuel surcharge waiver for ₹49 per 90 days
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
Sources: au.bank.in · au.bank.in · au.bank.in
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | ASAU Small Finance BankAU LITNo annual fee · IN AU LIT Credit CardPeople who want a free card and will pay only for the benefits they use |
None | 1 Reward Point per ₹100 base (up to 10,000 points a cycle); optional paid featur… | See issuer for the current offer | See issuer | Resident Indian; salaried 21 to… | |
| 2 | IFIDFC FIRST BankIDFC FIRST MillenniaNo annual fee · IN IDFC FIRST Millennia Credit CardLifetime free rewards on dining, travel and foreign spends with zero forex markup |
None | 10X Reward Points on dining, travel and international spends from the first tran… | ₹500 voucher on spending ₹5,000 within 30 days of activation… | Zero forex markup | See issuer for income and CIBIL… | |
| 3 | FTFPL Technologies, issued with partner banks (BOBCARD, CSB Bank, Federal Bank, SBM Bank, South Indian Bank, Indian Bank)One OneCardNo annual fee · IN One Credit Card (OneCard)Young earners who want a free metal card with app controls and low forex fees |
None | 1 reward point per ₹50 spent; 5X on your top 2 spend categories each month (mini… | See issuer for the current offer | 1% forex markup | Age 18 to 60; a credit score of… | |
| 4 | KMKotak Mahindra BankKotak 811 #DreamDifferentNo annual fee · IN Kotak 811 #DreamDifferent Credit CardNew-to-credit users who can place a fixed deposit and want a free card |
None | 2 points per ₹100 online, 1 per ₹100 on other spends; none on fuel or railways | No fixed welcome bonus; lifetime free card | 4% markup on foreign curre… | Secured card: fixed deposit of a… |
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