AU LIT
AU Small Finance Bank · Checked 2026-10-09
AU LIT is a no-annual-fee option centred on shopping rewards, online spending and reward points.
CardIQ editorial view
Our take
AU LIT is a no-annual-fee option centred on shopping rewards, online spending and reward points.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise online spending.
- People who prefer keeping a card without an annual membership cost.
Key strengths
- Customisable rewards through separately purchased benefit packages.
- The current product page lists a 5X reward package at ₹199 and 10X at ₹299 for 3 months; verify applicable taxes and current package terms.
- Lounge access and cashback promotions are paid add-ons, not automatic benefits of the free card.
Trade-offs to understand
- Reward value depends on eligible merchant categories and the issuer's current terms.
CardIQ verdict
A sensible long-term choice when you want shopping rewards, online spending and reward points without a recurring membership charge. Check this condition before applying: Reward value depends on eligible merchant categories and the issuer's current terms.
Compare before deciding
- Axis Bank KWIK — A similarly priced alternative for comparing shopping rewards and reward points.
- Google Pay Flex Axis Bank — A similarly priced alternative for comparing shopping rewards and reward points.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- Joining and annual card membership fees are nil; optional features cost extra and generally last 90 days.
- The current product page lists a 5X reward package at ₹199 and 10X at ₹299 for 3 months; verify applicable taxes and current package terms.
- Lounge access and cashback promotions are paid add-ons, not automatic benefits of the free card.
- The September 2026 KFS states no default fuel surcharge waiver; do not assume optional older guide benefits apply.