AU LIT Credit Card
AU Bank’s LIT (Live It Today) Credit Card stands out. It is India’s first customizable credit card — meaning you can choose which features and benefits you want, and even switch them on or off as needed.
This card is especially targeted at Gen Z and Millennials who want more control, fewer unused features, and a card that adapts with their life. Let’s walk through its features, how to use it smartly, its drawbacks, and whether it’s worth having.
🔍AU LIT Credit Card Key Features & Benefits
Customization at the Core- With LIT, you pick which benefits / features you want via the AU 0101 app.
You only pay for the features you activate; you can also turn off features if you don’t want them.IDFC FIRST Millennia Credit Card
These features stay active typically in 90‑day blocks (so you choose feature + duration) and then you can renew or turn off.
This flexibility helps you avoid paying for perks you never use.
Rewards & Cashback Mechanics
Accelerated Reward Points: On both online and offline spends (domestic & international), you can earn 10× or 5× reward points if you choose that feature.
Base Reward Points: All other eligible spends (non-accelerated) earn 1 reward point per ₹100 spent.
Milestone Cashback: If you reach certain spending thresholds in a 30-day cycle or over 90 days, you can get 5% or 2% cashback (in addition to reward points) for retail spends.
E.g. Spend ₹7,500 → 5% cashback (cap applies) [4] – Or other slab: ₹10,000 → 2% cashback Kiwi UPI Credit Card: Features And Benefits
Category Cashback: On categories like grocery, apparel, you get 5% additional cashback (besides the base reward points) for those spends. Usually up to a maximum per month in that category
Fuel Surcharge Waiver: When you refuel between ₹400 and ₹5,000, you get 1% waiver on fuel surcharge if conditions are met.
Lounge Access: Up to 2 domestic lounge visits per quarter (so 8 per year) for holders.
Memberships & Subscriptions: 3 months of ZEE5 membership free / 3 months Amazon Prime Cult.fit / fitness / entertainment perks (depending on features)
Fees, Interest & Charges
Lifetime Free: No joining fee and no renewal / annual fee.
Interest / Revolving Credit Rate: ~3.49% per month (≈ 41.88% per annum) on unpaid balances.
Cash Advance Charges: 2.5% of amount withdrawn (min ₹100)
Late Payment Charges:
Tiered slabs: – ≤ ₹100: Nil – > ₹100 up to ₹500: ₹100 – > ₹500 up to ₹5,000: ₹500 – > ₹5,000 up to ₹10,000: ₹700 – > ₹10,000 up to ₹20,000: ₹800
Reward / Cashback Caps: Maximum points or cashback per statement cycle or per category apply.
Accelerated reward points / features are not applicable* on fuel, rent, cash withdrawal, EMI, etc.
Foreign Currency Markup: Probably ~3.49% — check variant (for international spends).
🛡 Real‑World Caveats & User Experiences
While the features look great, some users have faced issues:
Hidden / Feature Pricing Charges: A user found a ₹59 “Membership Feature Pricing” charge even though they had not activated any add-on features.
Reward / Cashback Denial: A user claimed they activated 10% / 5% features, but after purchase, those features didn’t apply because the transaction date / activation sank into “before activation” logic.
One‑card policy / Restrictions: Some users report that once you hold LIT, you may be blocked from applying for some AU co‑branded cards (e.g. Ixigo).
Foregin transactions mischarged: One user says an Agoda booking in INR was charged foreign transaction fees.
These experiences suggest you must track your statements and feature activations carefully.
🔧 How to Use AU LIT Smartly
To get real value from LIT:
1. Activate only features you’ll use — since it’s customizable, don’t turn on everything.
2. Time your activation — ensure that you activate a feature before relevant transactions to benefit from it.
3. Plan for milestone / cashback cycles — if 5% cashback is tied to ₹7,500 spend, try to hit it.
4. Use for grocery, apparel, travel, dining — categories where 5% extra is available.
5. Refuel only in the ₹400–₹5,000 slab when surcharge waiver is applicable.
6. Maintain clarity in which spends get rewards / which are excluded — e.g. fuel, EMI, rent often excluded.
7. Redeem lounge access through the AU app / manage in app — don’t assume automatic.
8. Monitor statements carefully — check for hidden charges or feature fees you didn’t enable.
✅ Is AU LIT Right for You?
You should consider LIT if:
You prefer flexibility and want to pick / choose features.
Your spending is concentrated in categories like grocery, travel, dining, apparel.
You want a lifetime free card (no annual charge).
You are comfortable with digital management (AU 0101 app) and monitoring features.
🎯It may not suit you if:
Your spending is very diverse and many categories don’t get additional perks.
You dislike having to actively manage features.
You often make large fuel transactions out of the eligible slab or do many cash withdrawals.
You want strong premium perks (international lounges, luxury travel, etc.) LIT is more mid / lifestyle than ultra premium.
🏁 Final Thoughts
AU LIT is ambitious — a credit card that says “you pick what you want”. That is rare in India’s credit card space. The ability to add, remove, or switch benefits gives it an edge for people who dislike paying for unused features.
If used smartly — activate features you will use, hit milestone spends, and avoid trap categories — it can deliver solid value. But don’t let marketing hype fool you — the “customizable” model comes with responsibility: tracking, planning, and vigilance.