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HomeCredit cardsAU Small Finance BankAU LIT Credit Card
Mid-rangeVisaLifetime free

AU LIT Credit Card

4.0editor Editor score 77/100Best for customisable benefits

India's first customisable credit card – switch on 5X/10X rewards, cashback or lounge access only for the months you need them.

  • Lifetime free base card
  • Turn features on or off from the AU 0101 app
  • Up to 10X rewards on groceries, fashion, travel, electronics
  • 5% cashback on chosen categories for 90 days
Updated 13 Nov 2026
AU Small Finance BankMID
•••• •••• •••• 4242
AU LIT Credit Card
VISA

Key facts

Joining fee
Free
Annual fee
Free
Reward rate
Up to 10X when a feature is on
Welcome benefit
None

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HDFC BankSUPER PREMIUM
•••• •••• •••• 4242
AU LIT Credit Card
Annual fee Free
Lounge access
8 / yr domestic
Forex markup
3.49%
Fuel surcharge
1% waiver
Interest rate
3.5% p.m. (42% p.a.)

What we like

  • Pay only for benefits you use
  • Lifetime free when nothing is switched on
  • Lounge access as an add-on

Watch out for

  • Feature fees add up (₹199–₹299 each per 90 days)
  • Complex to optimise
  • Low base rewards

Our take

Why we rate it

The LIT card is a clever idea: a lifetime-free card you upgrade month-to-month. Best for people who spend in bursts (festive shopping, holiday travel).

Features & benefits in detail

Rewards
Base rate
1 RP per ₹100
With 10X feature
10 RP per ₹100 on select categories
Fees
Feature fees
₹199–₹299 per feature per 90 days
Travel
Domestic lounge
Add-on feature

Eligibility

Minimum income
₹30,000 / month
Age
21 – 60 years
Credit score
700+ preferred
SalariedSelf-employed

Approval, pricing and credit limits are decided solely by the issuing bank or NBFC. Fees, rewards and offers shown are indicative and may change without notice; please read the lender's Most Important Terms and Conditions (MITC) or Key Fact Statement before applying.

AU Small Finance Bank
AU LIT Credit Card
Joining fee
Free
Annual fee
Free
Rewards
Up to 2%
Lounge
8 / yr
Forex
3.49%

Secure hand-off to AU Small Finance Bank. No OTP or PIN ever asked.

Not sure?

Answer 5 questions and see whether this is really your best match.

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CardSparrow is an independent comparison platform, not a bank, NBFC or RBI-regulated lender. We may earn a referral fee from a lender or affiliate network when you apply through our links. This never changes what you pay and never affects our ratings or the order in which products appear.

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Best for ultra-premium invite-only

5 points per ₹150 (3.33% back) with 1:1 flight/hotel redemption, unlimited lounge access worldwide and ITC hotel privileges.

Joining
₹12,500 + GST
Annual
₹12,500 + GST
Rewards
Up to 3.3%
Lounge Unlimited 2% forex
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Axis BankSUPER PREMIUM
•••• •••• •••• 4242
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4.4editor

Best for luxury travel transfers

12 EDGE points per ₹200, 35,000 bonus points at ₹1.5L monthly spends, unlimited lounges and 5:2 transfers to airline partners.

Joining
₹12,500 + GST
Annual
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Rewards
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Editor's pick
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Best for premium travel & lifestyle

4 points per ₹150, 5X on Nykaa, Myntra, Marks & Spencer and Reliance Digital, 12 domestic + 6 international lounge visits.

Joining
₹2,500 + GST
Annual
₹2,500 + GST
Rewards
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Lounge 12 / yr 2% forex Fuel waiver
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Best for everyday online spends

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Joining
₹1,000 + GST
Annual
₹1,000 + GST
Rewards
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