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AU LIT Credit Card credit card
Premium

AU LIT Credit Card

AU Small Finance Bank logo AU Small Finance Bank
7.9
CardTrail Score
Very Good
out of 10
💰 Net Value
6.1
🔓 Accessibility
6.3
⚡ Feature Depth
6.6
🏦 Bank Trust
6.5
How we score →
Compare This Card Full Details
Annual Fee
Free
Lifetime free
Forex Markup
3.49%
Reward Rate
0.25%
Up to 2.5%
Lounge Access
4
domestic | 0 intl

About This Card

AU LIT is a surprisingly strong premium card from a small finance bank. The 1.75% forex markup is competitive, 5X on dining and international spends is generous, and the lounge package matches bigger banks. Worth considering if you can look past AU's smaller brand.

Pros & Cons

Pros

  • Competitive 1.75% forex rate
  • 5X on dining and international spends
  • Good lounge access
  • Growing acceptance network

Cons

  • AU Bank is less established
  • Reward redemption ecosystem still developing
  • ₹5L waiver threshold is moderate

Fee Details

Annual Fee
Free
Joining Fee
Free
Fee Waiver Condition
Lifetime free
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
0.25%
Max Rate
2.5%
Currency
Reward Points
Welcome Bonus
None

Lounge Access

Domestic Lounges
4
per quarter
International Lounges
0

Key Highlights

  • + 1.75% forex — competitive
  • + 5X on dining and international
  • + 8+4 lounge visits/quarter
  • + AU's fastest-growing card

Compare With...

See how AU LIT Credit Card stacks up against top alternatives

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9.3
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Quick Summary

Best For
travel dining
Annual Fee Free
Base Reward 0.25%
Max Reward 2.5%
Forex Markup 3.49%
Network Visa Signature
Min Income ₹6L+
Compare This Card

CardTrail Score

7.9
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

travel dining value

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