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Key Features & Benefits
- ✦India's first 'LIT' (Live It Today) customisable card — choose your benefits every month
- ✦Select from benefit modules: Dining cashback / Travel rewards / OTT subscriptions / Lounge access / Movie tickets
- ✦Activated benefits earn accelerated rewards (5X) in chosen category
- ✦Base 1X on all spends when no benefit module active
- ✦Benefits can be switched on/off monthly via AU Bank app
- ✦Pay only for active benefits — if no module active, just pay ₹499 annual fee
- ✦Contactless + UPI-linked
- ✦Annual fee waiver on ₹1L spend
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Welcome & Joining Benefits
- ✦Welcome voucher on activation
Milestone Benefits
- ✦₹1L annual spend → ₹499 annual fee waived
Pros & Cons
✓ Advantages
- ✓India's first customisable card — pay for what you use
- ✓Very flexible — activate lounge in travel months, dining in festive months
- ✓Low ₹499 base fee easily waived
- ✓Innovative product — appeals to frequent spending pattern changers
✗ Disadvantages
- ✗Complex — requires active management each month to maximise value
- ✗Additional module charges may add to cost (verify current pricing)
- ✗3.49% forex
- ✗Some users prefer simpler flat-rate cards
Frequently Asked Questions
How much do the benefit modules cost?
Benefit modules on the LIT card may have additional monthly charges (e.g. ₹199/month for lounge access module, ₹99 for OTT, etc.). Verify current module pricing on AU Bank's website as these are subject to change.
What happens if I don't activate any module?
If no module is active, you earn 1X base rewards on all spends and pay only the annual fee (₹499, waived on ₹1L). The card remains a simple base card with no enhanced benefits.
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