AU Small Finance BankVisaLIT Credit Card
3.9NeoFinQ editorial rating
Customizable lifetime-free card with features available as paid add-ons
- Lifetime free
- Customizable benefits
- Up to 10X reward points
- Joining fee
- ₹0
- Annual fee
- ₹0
- Reward type
- points
- Best for
- Lounge
- Est. rewards
- ₹19,500/yr
Our verdict
Ideal for users who value flexibility and want a card that adapts to their lifestyle.
Perfect for
- Flexibility seekers
- Travelers needing lounge access
Not ideal for
- Users wanting fixed premium perks
Pros & cons
- Lifetime free
- Customizable benefits
- Up to 10X reward points
- Requires customization every 90 days
- 3.49% forex markup
Rewards
1 Reward Point per ₹100 retail spend (Base). Reward points vary based on active 'Features' chosen by the user.
| Category | Earn rate |
|---|---|
| Groceries | 5% |
| Cashback | 3% |
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- Milestone based/Paid Feature (Customizable)
More benefits
- Milestone: Customizable: Earn 5% additional cashback for reaching 30-day spend milestones (Feature-based)
Fees & charges
| Joining fee | ₹0 |
| Annual fee | ₹0 |
Eligibility
Min. income (annual)
₹3L
Employment
Salaried / Self Employed
Frequently asked questions
How does customization work?
Log in to AU 0101 App, select features for the next 90 days.
Does it offer international lounge access?
No, only domestic airport lounges.
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