AU Small Finance LIT
Issuer: AU Small Finance Bank
Network: RuPay | Tier: Entry
The AU Small Finance Bank LIT Credit Card is India's first customizable credit card where you pick 3 out of 7 benefit categories. Being lifetime free with RuPay network support, it's a unique offering that lets you design your own credit card experience.
Fees & Charges
| Annual Fee | Nil (Lifetime Free) |
|---|---|
| Joining Fee | Nil |
| Interest Rate | 3.49% per month |
| Foreign Markup | N/A (Domestic focused) |
| Fuel Surcharge Waiver | Optional benefit |
Rewards & Benefits
| Reward Rate | Customizable - up to 5% |
|---|---|
| Welcome Bonus | Varies by selected features |
| Lounge Access | Optional (if selected as benefit) |
| Best For | Those who want personalized card benefits |
Key Highlights
- India's first customizable credit card
- Choose your own benefits (3 out of 7)
- Lifetime free - no annual fee
- Up to 5% cashback on chosen categories
- RuPay network with UPI linking support
Eligibility Criteria
- Minimum income ₹2.5 lakh per annum
- CIBIL score 700+
- Age 21-60 years
Minimum Income Required: ₹2,50,000+ per annum
Pros
- Customizable benefits
- Lifetime free
- RuPay with UPI
- Choose your categories
- Good for specific needs
Cons
- Only 3 features at a time
- Limited brand recognition
- RuPay has limited international acceptance
- Smaller bank
Expert Rating: 4.1/5