Discover How to Apply for a LIT Credit Card and the Benefits

The LIT (Live It Today) Credit Card is India’s first credit card that can be changed to fit your needs. You can choose and change the features of this credit card to fit your lifestyle. 

Instead of getting separate cards for dining out, traveling, etc., you can choose the features and easily switch to any of them whenever you want. You can also use the AU 0101 app to manage and keep track of features in real-time. 

Learn more about LIT Credit Credit’s features, pros, benefits, and fees below. Discover how you can apply for a LIT Credit Card. Lastly, check how you can customize your own LIT Credit Card in this article.

  • Features of the LIT Credit Card
  • These Are the Pros of the LIT Credit Card
  • What Are the Benefits of the LIT Credit Card?
  • Discover Milestone Cashback Benefits Category
  • What Are the Eligibility Criteria for LIT Credit Card?
  • What Are the Other Things to Know About LIT Credit Card?

Features of the AU Bank LIT Credit Card

The AU Small Finance LIT Credit Card is the first credit card in India that can be changed in terms of its features. This means you can put whatever features you want on your card and only pay for those ones. The AU bank has come out with a credit card that is very new and unique. 

Discover How to Apply for a LIT Credit Card and the Benefits
Image Source: CreditCardDetail

There are a lot of credit cards on the market, and they all have different features. This makes it hard and confusing for customers to choose the best card to meet their needs. The customer often ends up with more than one card and pays more than one fee each year.

The AU bank took advantage of being the first to solve this by making the LIT credit card, the world’s first credit card that let you change how it works. The bank has made a lot of other cards with great benefits, but the LIT card has a lot of things that make it stand out.

The LIT credit card has so many features and benefits that you can choose from. The cardholder can just go to the AU 0101 app, pick the feature they want to use for the next 90 days, and pay for it. 


What Are the Other Features of the LIT Credit Card?

The card gives you great ways to earn many reward points, like getting one Reward Point for every Rs. 100 you spend in stores and either 10X or 5X accelerated Reward Points, depending on which feature you choose. On top of that, the card gives you a lot of cash back on your chosen feature. 

Not only that, but the card also gives you free memberships to Zee5, Amazon Prime, and other premium brands. Travelers can get great cash-back deals and free access to airport lounges with this card. Just choose the feature you want, pay for it, and enjoy the privileges and benefits that come with it.

These Are the Pros of the LIT Credit Card

As was already said, the AU Small Finance Bank LIT Credit Card is India’s first customizable credit card. You can choose the feature you want and only pay for those you select. The card has a lot of great benefits in lifestyle, groceries, travel, and many other areas.

Discover How to Apply for a LIT Credit Card and the Benefits
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It has almost every perk a credit card can have, and its owners can pick one or more features or categories simultaneously. 

This lets the customer benefit from the category they chose and only pay for the feature they are using instead of paying the full annual fee for the card.

People with an AU LIT credit card can choose from five categories. Though cardholders have to pay fees for these features, and they can select as many as they want as long as they pay each one. Each category will be valid for 90 days, and the customer can use the benefits of that category.

What Are the Other Pros of the LIT Credit Card?

If you have an AU Small Finance Bank LIT Credit Card, you can receive up to four complimentary visits to domestic lounges anywhere in India every three months. Lounge access outside India will be charged USD 27 per visit, and only the cardholder is entitled to gratis visits to domestic lounges. 

Once it has been selected, this category will remain active for ninety days. The complimentary access will expire if the cardholder cannot use all complimentary access within the allotted 90 days.

What Are the Benefits of the LIT Credit Card?

There are several categories wherein LIT Credit Card customers can enjoy: Membership, Shoppers’ Rewards, Milestone Cashback, and other categories. 

Discover How to Apply for a LIT Credit Card and the Benefits
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For the Membership benefits, you will get a free three-month membership for different organizations. One of these is, which offers in-center group courses and live exercises at home. It is available at all Elite gyms. 

Another organization that members can access is ZEE5. This company provides more than 2,800 blockbuster movies, more than 150 online series, LIVE TV, Before TV, and the ability to watch ad-free material on mobile devices, televisions, laptops, and Eduaurra learning tests.

Meanwhile, Amazon Prime, which cardholders can also access, includes unlimited free, fast delivery on qualifying purchases, video streaming, audio streaming without advertisements, free in-game content, exclusive access to offers, and more. 

What Are the Other Benefits of the LIT Credit Card?

The Shoppers’ Rewards lets you rack up many Rewards with a LIT card. While you buy, you can accumulate reward points that can later be used for various exciting discounts and deals. 

  • 10X or 5X Reward Points on all online domestic and international retail transactions
  • Reward Points can be earned at a rate of 10X or 5X on all POS and contactless offline transactions in the United States and internationally
  • If the cardholder chooses to select one or more features that come with this perk, they will have the opportunity to earn reward points at a faster pace. It is important to remember that transactions, including cash withdrawals, EMI, fuel, insurance, and rent, will not count toward the expedited reward points

Discover Milestone Cashback Benefits Category

Under this, the cardholder is expected to spend a certain amount of money, and if they do, they can get cashback as follows. For an additional 5% cashback, the cardholder can get 5% cashback every month for 90 days. 

Discover How to Apply for a LIT Credit Card and the Benefits
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Cashback will be given on all retail purchases made in a given month. However, the cardholder must spend Rs. 7,500 in a month. Then, you can earn up to Rs. 500 cashback in a month.

The cardholder gets 2% cashback on retail purchases for 90 days. The cardholder must spend Rs. 10,000 per month, but you can get up to Rs. 1,000 in cash back in a month.

The cardholder won’t get cashback on transactions for gas, rent, insurance, or cash withdrawals, and these transactions won’t count toward cash back or milestones.

What Are the Fees for the LIT Credit Card? 

Interestingly, the LIT Credit Card is free of charge. This card never expires, and no yearly fees are associated with using it. This makes the LIT Credit Card customer-friendly.

What Are the Eligibility Criteria for LIT Credit Card?

AU Bank has not put out any complicated rules about who can and cannot get a Zenith Credit Card. It only said that people who want to apply must be citizens of India.

Discover How to Apply for a LIT Credit Card and the Benefits
Image Source: AU Small Finance Bank / YouTube

The bank also sets an age limit. The LITCredit Card can only be applied for by people between the ages of 21 and 60.

Even though it did not say anything else, you should have a steady source of income and a good credit score. If you have gone bankrupt or have a bad credit history, it could hurt your chances of getting approved.

What Is the Application Process for LIT Credit Card?

You can apply for LIT Credit Card online via AU Bank’s official website. Then, you must provide the following documents to prove your identity, income, and address.

  • Identity Proof: Aadhar Card, PAN Card, Voter’s ID, Passport, or Driving License
  • Proof of Residence:  Aadhar Card, Ration card, Driving License, latest months’ utility bills, or others
  • Proof of Income: Latest months’ salary slips/bank statements or latest audited ITR

To apply for this credit card offline, you just need to go to the nearest bank branch, fill out the application form, and bring the required documents.

What Are the Other Things to Know About LIT Credit Card?

You need to choose the categories for your LIT Credit Card. To do this, open the AU 0101 app and go to the Credit Card Homepage. Select “Manage Credit Card” to see a list of benefits and choose the one you want.

Discover How to Apply for a LIT Credit Card and the Benefits
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Then, determine how much each category costs and choose the one that fits your needs and budget. You can change the benefit to work and get what you want. Moreover, you can keep track of your cashback and reward points and see how much you still need to earn to reach your goal.

There are more categories where you can earn rewards. For a Fuel Surcharge Waiver, you can get a 1% fuel surcharge waiver on all purchases between Rs. 400 and Rs. 5,000.

In addition to 1 Reward Point for every Rs. 100 spent, you can get an extra 5% cashback on certain categories like travel, dining out, and grocery shopping. You can get up to Rs. 1,000 back every 30 days.

What Is the Contact Information of the AU Bank? 

Visit an AU Bank branch to learn more about the LIT Credit Card. Its main office is in Jaipur, in the Indian state of Rajasthan.

You can also get help immediately if you have a question about your credit card. You can email your issues to


The first Indian credit card to allow for personalization, the LIT (Live It Today) Credit Card, has been released by AU Small Finance Bank. Depending on your preferences, you can tailor this credit card to meet your needs.

 You can choose the categories you care about most and move between them whenever you choose, eliminating the need for a plethora of different cards for different purposes like dining out, taking trips, etc. 

Disclaimer: Note: There are risks when applying for and using a credit card. For more information, please see the bank’s Terms and Conditions page for the LIT Credit Card.