IN
AU Small Finance Bank
AU Bank LIT
VISA
🇮🇳 India · AU Small Finance Bank

AU Bank LIT

Pick-your-own-categories — toggle 5x on the categories you spend in.

4.4 / 5
Joining fee
₹0
Annual fee
₹0
Top reward
1%
Min income
₹360,000

External link to AU Small Finance Bank. We may earn a referral commission, at no cost to you.

5-year value calculator

How much AU Bank LIT actually pays you over time, net of annual fees.

50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards6,000
Annual feeNo fee
Cumulative net value
+30,000
over 5 years
Year 1
6,000
+6,000/yr
Year 2
12,000
+6,000/yr
Year 3
18,000
+6,000/yr
Year 4
24,000
+6,000/yr
Year 5
30,000
+6,000/yr
Year 1 (with bonus)
6,000
Year 2+ (steady state)
6,000/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

Everything else
1%
📈
🎁
Welcome bonus

Customizable category boosts at sign-up

What you get

  • Customize 1 of 8 spend categories at any time
  • 5x reward points on chosen category
  • 1% fuel surcharge waiver
  • 4 free domestic lounge visits/year
  • No annual fee, ever

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
₹360,000
Min credit score
720+
Self-employed
Eligible