AU LIT Credit Card
1 point/₹100 ordinary retail; ₹0.20 e-voucher value. Lifetime free without paid features.
Try your spend →How this estimate works
AU LIT is a lifetime-free, customizable credit card. Its issuer LIT terms, last updated January 15, 2025, establish a free baseline of 1 AU reward point per complete ₹100 of eligible ordinary retail purchase, online or in store, and a 10,000-point cap per statement cycle. This model assumes zero paid features and scores one ordinary eligible domestic card purchase per month at the baseline only. The optional 5X/10X reward or cashback features cost extra, last 90 days and can renew automatically; their rates are not assumed or charged, and using a paid feature can change the comparison. Rent, fuel, cash, education and government, EMI, BBPS and quasi-cash are excluded; utilities, telecom and insurance have specific terms and are not modeled under the general rate. Special merchant or transport routes are left unestimated. The issuer says e-voucher redemptions are worth ₹0.20 per point and require at least 200 points to redeem; one ₹99+GST redemption fee is deducted from annual returns when annual points reach 200. An eligible e-voucher must actually be available, and points are not statement cashback; unredeemed points expire after two years. Paid feature fees, promotional bonuses, lounge, cashback and surcharges are excluded. Feature users should compare their subscribed feature terms and renewal cost separately.
Issuer terms
AU LIT lifetime-free base card · AU LIT base points, exclusions, cap and paid features · AU Rewardz FAQ: e-voucher value and minimum · AU current fee and redemption charge · AU LIT feature menu and separate optional costs
Terms checked 29 September 2026. Voucher value requires redemption, not statement cashback.