AU Small Finance Bank • India's customisable lifetime free card: switch on only the features you want
By Deepak • Co-founder, Credwiser
Figures checked against the issuer's official MITC • Last verified 21 October 2026 • How we score
Some apply links are referral links. They never change our scores or rankings. Read our editorial independence promise.
LIT works differently from every other card on this list. The card itself is lifetime free and earns a plain 1 point per Rs 100, but you can bolt on benefits for 90 days at a time from the AU 0101 app: extra points on online or offline spends, 5% cashback on groceries or apparel, milestone cashback, lounge visits, even streaming memberships. This suits people with uneven spending, for example heavy shopping in a sale month and quiet months after that. The discipline needed is real though: packs auto renew every 90 days unless you switch renewal off, and membership packs charge a penalty if you miss their minimum spend. Treat it like a subscription you review every quarter.
Lifetime free as per the AU MITC (version 2.22, dated 30 September 2026). Feature packs are priced from Rs 49 to Rs 399 per 90 days, are valid for 90 days from activation and auto renew unless disabled in the AU 0101 app. Forex markup is 3.49%. The milestone cashback pack pays 5% additional cashback capped at Rs 500 on a minimum Rs 7,500 spend per 30 day cycle, and the 2% pack pays up to Rs 1,000 on Rs 10,000 spends. Fair usage charges apply on very high fuel and utility spends in a calendar month.
Last verified against MITC: 21 October 2026 • View official MITC →
Yes. The AU MITC lists LIT as lifetime free with no joining or annual fee. You only pay if you activate optional feature packs, which cost Rs 49 to Rs 399 per 90 days.
Each pack runs for 90 days from activation and is managed in the AU 0101 app. Packs auto renew after 90 days unless you disable renewal, and accelerated points are capped at 10,000 points per statement cycle.
Only as a paid feature. The lounge pack costs Rs 399 per 90 days and gives 1 complimentary visit, with a maximum of 2 visits selectable in a 90 day period.
Was this page helpful?