AU Small Finance Bank LIT credit card
AU Small Finance BankVisaLifestyle

LIT credit card

Lifetime-free card where you switch on 5X/10X points, cashback and OTT features for 90 days at a time.

55
Personal score55/100● Good fit
Recurring net savings₹6,439/yrafter fee, GST and caps · bills paid in full
First-year value₹6,439no welcome offer
Effective savings rate2.0%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Free for lifeno fee, ever
Lounge access✈4 domyou can use 2 of your visits
PersonaliseOfficial page ↗

Source: AU Small Finance Bank – LIT product page · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹5,760/yr5% cashback on online/grocery (feature on,…
₹0Lifetime free
2/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! Points are worth only ₹0.25 each – 1 point = ₹0.25 on the catalogue.

Where the money comes from

₹6,439/yr · 2.0%
5% cashback on online/grocery (feature on,…on ₹1,15,200₹5,760
Base rate 0.25% on other spendson ₹1,27,440₹319
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 55 is built

weights total 100% · methodology
Net savings rate33/100 × 55%18.1
Usable lounge access100/100 × 15%15.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit100/100 × 10%10.0
Simplicity20/100 × 5%1.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

Open Lounge Finder →
42airports in India
50lounges you can enter
1 per quarterdomestic
Noneinternational

How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 4 lounges
  • ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
  • ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
  • ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
BOM Mumbai 3 lounges
  • ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
  • ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 2 lounges
  • ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
  • ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 2 lounges
  • ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
  • ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
HYD Hyderabad 2 lounges
  • ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
IXA Agartala 1 lounge
  • ✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
AMD Ahmedabad 1 lounge
  • ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
ATQ Amritsar 1 lounge
  • ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
AYJ Ayodhya 1 lounge
  • ✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk
IXB Bagdogra 1 lounge
  • ✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BHO Bhopal 1 lounge
  • ✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BBI Bhubaneswar 1 lounge
  • ✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

+ 30 more airports in the Lounge Finder.

Card facts

💳 Base earn0.25%value on eligible spend
⚡ Accelerated5% 5% cashback on…
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ FeesLifetime free
🎁 Welcome (year 1)none
🏁 Milestonesnone
✈️ Lounge✈1/qtr dom🌏0 intl1 domestic per quarter (feature on)
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹0.25/Reward Points ★★★☆☆1 point = ₹0.25 on the catalogue.
🧩 Simplicity★☆☆☆☆needs active management
🎯 Lifestyleottfuel waiverOTT memberships (feature on)
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Pay only for features you use
  • No annual fee
  • Every feature has a charge
  • Complex

Community Q&A on the LIT

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the AU Small Finance Bank LIT?

It is lifetime free – no joining or renewal fee.

Does the LIT give airport lounge access?

4 domestic/yr. 1 domestic per quarter (feature on).

How much can I save with the LIT?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹6,439 a year, an effective savings rate of 2.0% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the LIT's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. 5% cashback on online/grocery (feature on, ₹500/mo cap, ₹199 charge): capped at ₹500 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.