AU Small Finance LIT Credit Card: Customizable Features

India's First Customizable Credit Card - Choose Features, Pay Only for What You Use!

AU Small Finance LIT Credit Card

India's first customizable credit card revolution! Choose the features you want from memberships, cashback, rewards, lounge access, and fuel waivers. Pay only for what you use for 90 days. Truly lifetime free with zero annual fees.

₹0
Annual Fee
10X
Max Rewards
90
Days Validity
🎨
Customizable
Customize Your Card →Explore Features
AU SMALL FINANCE
LIT
MASTERCARD
**** **** **** 1111
VALID THRU
Card Holder
🎨
🎬
✈️
CUSTOMIZABLE
PAY AS YOU USE

🎨 India's First Customizable Credit Card - Choose Your Features!

Select only the features you want and pay just for those. Valid for 90 days, auto-renewal disabled by default.

🎬

Premium Memberships

Zee5 (3 months)₹99
Amazon Prime (3 months)₹299
Min spend: Zee5 ₹5K, Prime ₹10K
💰

Cashback Benefits

5% Grocery Cashback₹299
5% Apparel Cashback₹199
Milestone 5% Cashback₹299
⭐

Accelerated Rewards

10X Online Rewards₹299
10X Offline Rewards₹299
5X Online/Offline₹199
✈️

Lounge Access

1 Lounge Visit/Quarter₹199
2 Lounge Visits/Quarter₹299
Domestic airports only
⛽

Fuel Surcharge Waiver

1% Waiver on ₹400-₹5,000₹49
Transactions ₹400-₹5,000 only
📱

How to Customize

1.Download AU 0101 App
2.Go to Credit Card → Manage
3.Select features you want
4.Pay for 90 days validity

🎨 Customization Power: Mix and match features! Want only Amazon Prime + 10X rewards? Pay just ₹598 for 90 days. Want everything? Pay for what you need. No annual fees, no unwanted features!

Reward Points & Cashback - Maximize Your Earnings

🎯 Base Rewards (Always Active)

₹10,000 retail spend100 RP (₹25 value)
₹25,000 retail spend250 RP (₹62.50 value)
₹50,000 retail spend500 RP (₹125 value)
1 RP per ₹100 = 0.25% reward rate

🚀 Accelerated Rewards (Paid Feature)

₹10,000 online spend (10X)1,000 RP (₹250 value)
₹10,000 offline spend (10X)1,000 RP (₹250 value)
₹10,000 with 5X rewards500 RP (₹125 value)
Up to 2.5% reward rate with 10X feature!

💰 Cashback Power: 5% cashback on groceries, apparel, dining, electronics + milestone cashback up to ₹1,000/month!
📊 Example: ₹10,000 grocery spend with 5% cashback + 10X rewards = ₹500 cashback + ₹250 rewards = ₹750 value!

⚠️ Important: Spend Requirements & Penalties

Membership Requirements

Zee5 (₹99)₹50 penalty
If spend < ₹5,000 in 90 days
Amazon Prime (₹299)₹100 penalty
If spend < ₹10,000 in 90 days

💡 Pro Tips

  • ✓Calculate your monthly spending before selecting features
  • ✓Use credit card for planned purchases to meet thresholds
  • ✓Disable auto-renewal if you don't need features next quarter
  • ✓Start with one feature to test the waters

🎯 Smart Planning: Use AU 0101 app to track spending and ensure you meet thresholds. Better to exceed minimums than pay penalties!

Reward Points Redemption - Multiple Options

🛍️

Merchandise

₹0.25 per RP
AU Rewards catalogue
🎫

Tickets

₹0.25 per RP
Flights, hotels, movies
📱

Recharges

₹0.25 per RP
Mobile, DTH
🎁

Gift Vouchers

₹0.25 per RP
E-commerce platforms

🔄 Additional Options: Golf sessions, air miles conversion available. 1 RP = ₹0.25 for all redemptions!

LIT vs Traditional Cards - The Customization Advantage

FeatureAU LITTraditional CardAdvantage
Annual Fee₹0₹499+Pay ₹0 when not using features
Amazon Prime₹299/quarterOften includedPay only if you want it
5% Grocery Cashback₹299/quarterRareActivate only when needed
Lounge Access₹199-299/quarterOften includedPay only for visits you need
10X Rewards₹299/quarterRareActivate for specific spending periods

🎨 Customization Wins: With LIT, you pay ₹299 for Amazon Prime when you want it vs ₹499 annual fee for a card that includes it. Pay for lifestyle, not annual fees!

Smart Usage Guide - Maximize Benefits, Avoid Penalties

🚫 No Rewards on These

  • ✗Fuel transactions
  • ✗EMI purchases
  • ✗Rent payments
  • ✗Education fees
  • ✗Cash withdrawals
  • ✗Government charges

✅ Best Practices

  • ✓Track spending via AU 0101 app
  • ✓Plan purchases around feature validity
  • ✓Start with one feature to test
  • ✓Use for grocery shopping regularly
  • ✓Combine features for maximum value
  • ✓Disable auto-renewal when not needed

🎯 Success Strategy: Use grocery cashback + accelerated rewards for maximum value. Track via app to avoid penalties. Perfect for variable spending patterns!

# AU Small Finance LIT Credit Card: Customizable Features

The AU Small Finance LIT Credit Card is India's first customizable card. Choose the features you want and pay only for what you use.

Keywords

- AU Small Finance LIT Credit Card

- Customizable credit card

- Pay-per-feature card

FAQs

- Is AU Small Finance LIT Credit Card: Customizable Features still good?

Yes — it remains a strong choice if its benefits match your monthly spending (dining, shopping, travel or bill payments). Review joining/annual fees and waiver conditions before applying.

- Who should consider AU Small Finance LIT Credit Card: Customizable Features ?

Ideal for users whose top categories align with the card's strengths (e.g. online shopping, food delivery, travel, or fuel). Beginners should prefer low or lifetime-free annual fees.

- How do I maximise rewards/cashback with AU Small Finance LIT Credit Card: Customizable Features ?

Use the card on its accelerated categories, pay bills on time, and track monthly caps or partner-platform multipliers. Combine with issuer apps/portals where applicable.

Ready for India's First Customizable Credit Card?

AU Small Finance LIT - Pay only for features you use, zero annual fees when inactive

Apply Now - Zero Joining Fee →Customizable features • Pay as you use • Lifetime free • AU 0101 app