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AU LIT Credit Card

Name: AU LIT Credit Card
Brand: AU Small Finance Bank
Price: 4999 INR

AU Small Finance Bank

7.9

CardTrail Score

Very Good

out of 10

💰 Net Value

6.1

🔓 Accessibility

6.3

⚡ Feature Depth

6.6

🏦 Bank Trust

6.5

How we score →

Compare This Card Full Details

Annual Fee

₹4,999

Spend ₹5L/year

Forex Markup

1.75%

Reward Rate

Up to 5%

Lounge Access

domestic | 4 intl

About This Card

AU LIT is a surprisingly strong premium card from a small finance bank. The 1.75% forex markup is competitive, 5X on dining and international spends is generous, and the lounge package matches bigger banks. Worth considering if you can look past AU's smaller brand.

Pros & Cons

Pros

Competitive 1.75% forex rate
5X on dining and international spends
Good lounge access
Growing acceptance network

Cons

AU Bank is less established
Reward redemption ecosystem still developing
₹5L waiver threshold is moderate

Fee Details

Annual Fee

₹4,999

Joining Fee

₹4,999

Fee Waiver Condition

Spend ₹5L/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

Max Rate

Currency

Reward Points

Welcome Bonus

5,000 Reward Points

Lounge Access

Domestic Lounges

per quarter

International Lounges

per quarter

Key Highlights

+ 1.75% forex — competitive
+ 5X on dining and international
+ 8+4 lounge visits/quarter
+ AU's fastest-growing card

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