AU Small Finance Bank LIT Credit Card

Joining feeRenewal fee

₹0

Reward rate

1 Reward Point per ₹100 retail spends (base rate); 5X or 10X reward points on online and offline (POS and contactless) spends when that feature is opted.

Reward exclusions

Cash Withdrawal, BBPS, EMI, Fuel, Rent and Education & Govt transactions will not be considered for earning of Base Reward Points.

Reward caps

Cardholders can earn a maximum of 10000 Reward Points in a statement cycle

Domestic lounge access

Airport Lounge Access: 1 complimentary visit to Airport Lounge at ₹399. Maximum 2 visits can be selected for a 90-day period

International lounge access

Lounge access outside India will be chargeable up to maximum of USD 35 per visit depending on the country of Visit

Milestone benefits

Milestone Cashback: Additional 5% cashback on minimum spends of ₹10,000; Additional 2% cashback on minimum spends of ₹15,000

Movies and entertainment

Exclusive Entertainment Offers: Get 3‑month memberships for ZEE5 & Amazon Prime. ZEE5 - 3 months: ₹5,000 is to be spent in 90 days, otherwise, a penalty of ₹50 is to be levied. Amazon Prime — 3 months: ₹10,000 is to be spent in 90 days, otherwise, a penalty of ₹299 is to be levied

Minimum spend rules

For categories like Milestone Cashback, cardholders are required to meet spends condition in every 30 days cycle to be eligible for Cashback as per the feature selected.

Fuel surcharge waiver

1% Fuel Surcharge Waiver for transactions between ₹400 and ₹5,000 at all fuel stations across the country for ₹49.

Credit shield cover

Credit shield: Get a credit shield of up to ₹1.5 lakh

Lost card liability

Card liability - Up to ₹1.5 lakh: Carry zero liability on fraudulent transactions on your card after reporting loss to the bank

Add-on card eligibility

Add-on cardholder should be over 18 years.

Balance transfer terms

Processing charges 1% of Balance Transfer amount, subject to a minimum of ₹250

Forex markup

3.49% on foreign currency transactions.

Cash advance fee

2.5% of the cash withdrawal amount or ₹500, whichever is higher.

Interest on unpaid balance

3.75% per month (45% per annum)

Interest-free period

Up to 50 days (not applicable for cash withdrawal)

Late payment fee

15% of Total Amount Due (Minimum ₹10, Maximum ₹1300)

Over-limit fee

2.5% of overlimit amount, subject to a minimum of ₹500

Payment return or dishonour fee

2% of total amount due or ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher.

Card replacement fee

₹100

Cash payment / cash deposit fee

NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode.

Education / school fee charge

1% of transaction value, subject to minimum of ₹99 per transaction on education payments done through third party applications like, not limited to, CRED, PhonePe, Paytm, MobiKwik, Freecharge etc.

EMI conversion fee

Xpress EMI: 1% of the Amount being converted to EMI, subject to a minimum of ₹99 + GST; Instant EMI: ₹199 + GST as Processing Fees on every EMI transaction done at any Point-of-Sale unit or through Payment Gateway

Foreign ATM fee

2.5% or ₹500 whichever is higher on the amount withdrawn from domestic/international ATMs.

Reward redemption fee

₹99 + GST

Rent transaction fee

1% of transaction value, subject to minimum of ₹99 per transaction on domestic rental transactions

GST note

GST 18% applicable on all fees, interest & charges

Minimum amount due

5% of Principal outstanding if Total Amount Due for previous statement was paid on/or before due date, 2% if not; + 100% of Fees/Charges + 100% of Interest Charges + Due EMI(s) + 100% of Annual Membership Fee (if applicable) + 100% of GST

Eligibility

Self Employed: 25 years to 65 years; Salaried: 21 years to 60 years; Resident Indian.

Minimum age

Primary cardholder age group: Self Employed: 25 years to 65 years; Salaried: 21 years to 60 years.