Rewards
Customizable: choose 3 categories for up to 3.5% rewards
Best For
Customizable rewards — pick your own categories
Lounge Access
None
Fuel Surcharge Waiver
1% on ₹400-4000 transactions
Crediya's Verdict
AU LIT is the most innovative zero-fee card in India. The ability to choose and change your reward categories monthly is game-changing. Spend heavily on fuel this month? Select fuel. Traveling next month? Switch to travel. The flexibility is unmatched. The main drawback is AU Bank's smaller footprint, but for a zero-fee card, the value is exceptional.
Pros
✓ Lifetime free — no annual fee
✓ Choose 3 reward categories yourself
✓ Up to 3.5% on chosen categories
✓ Change categories monthly
✓ Vistara & other travel partnerships
Cons
✗ AU Bank ATM network is limited
✗ 3.5% only on specific category combos
✗ Mobile app not as polished as competitors
✗ Being a small finance bank — some merchants flag it
✗ Customer support hours limited
Hidden Fees & Charges
⚠ Late payment: ₹300-900
⚠ Cash advance: 2.5% (min ₹300)
⚠ Forex markup: 3.5%
⚠ Category change allowed once per month only
⚠ Some categories have sub-limits on cashback