AU Small Finance LIT Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
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.
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Why Choose the AU Small Finance LIT?
The AU Small Finance LIT is a Entry-tier RuPay credit card issued by AU Small Finance Bank, rated 4.1/5 by the Credit Card Hunt editorial team. It is best suited for Those who want personalized card benefits. With a reward rate of Customizable - up to 5% and an annual fee of Nil (Lifetime Free), it ranks among the popular Customizable cards in India in 2026.
New cardholders are welcomed with Varies by selected features, which adds immediate value in the first year.
AU Small Finance LIT 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 |
AU Small Finance LIT Rewards & Benefits
| Reward Rate | Customizable - up to 5% |
|---|---|
| Welcome Bonus | Varies by selected features |
| Lounge Access | 1 visit per 90-day period for ₹399 |
| Best For | Those who want personalized card benefits |
Key Highlights of the AU Small Finance LIT
- 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
AU Small Finance LIT Eligibility Criteria
- Minimum income ₹2.5 lakh per annum
- CIBIL score 700+
- Age 21-60 years
Minimum Income Required: ₹2,50,000+ per annum
Advantages of the AU Small Finance LIT
- Customizable benefits
- Lifetime free
- RuPay with UPI
- Choose your categories
- Good for specific needs
Drawbacks of the AU Small Finance LIT
- Only 3 features at a time
- Limited brand recognition
- RuPay has limited international acceptance
- Smaller bank
AU Small Finance LIT — Frequently Asked Questions
What is the annual fee of the AU Small Finance LIT?
The AU Small Finance LIT has an annual fee of Nil (Lifetime Free) and a joining fee of Nil. New cardholders receive Varies by selected features as a welcome benefit, which helps offset the joining cost.
Does the AU Small Finance LIT offer airport lounge access?
Yes — the AU Small Finance LIT offers 1 visit per 90-day period for ₹399.
Who is eligible for the AU Small Finance LIT?
The minimum income requirement is ₹2,50,000+ per annum. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the AU Small Finance LIT?
The AU Small Finance LIT earns Customizable - up to 5%. It is best suited for Those who want personalized card benefits.
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- RuPay Credit Card on UPI — circulars and guidelines — National Payments Corporation of India (NPCI)
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Expert Rating: 4.1/5