AU Small Finance Bank
First customizable lifetime‑free card with flexible perks
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Pros
Cons
The AU LIT Credit Card is best suited for individuals whose primary spending falls in Cashback and Customizable. Since it is lifetime free, it is ideal for anyone who wants solid benefits without worrying about recurring annual charges. You'll need to submit standard income proof (salary slip or ITR) as part of the AU Small Finance Bank application. With an approval rate of 85% and processing in 2‑3 days, this card is one of the standard options to get approved for.
The AU LIT Credit Card is lifetime free — there is no joining fee or annual fee ever.
AU Small Finance Bank typically processes the AU LIT Credit Card in 2‑3 days. The actual timeline depends on your credit score, income documents, and internal bank verification.
Yes. AU Small Finance Bank requires income proof such as a salary slip or ITR as part of the standard application process for the AU LIT Credit Card.
Checking your eligibility on CreditPlanner.in is a soft check and does not impact your CIBIL score. However, submitting a formal application to AU Small Finance Bank will trigger a hard enquiry on your credit report.
Lifetime free card with customizable quarterly features. Base 1% rewards on all spends. Up to 10× rewards on selected features.
The AU LIT Credit Card is best suited for individuals who spend on Cashback and Customizable. Being lifetime free, it is ideal for those wanting benefits without recurring charges.
Disclaimer: Information about AU LIT Credit Card — including fees, benefits, and eligibility — was accurate as of 2026-03-28 but may change without notice. Always verify details directly with AU Small Finance Bank before applying. Approval is solely at the bank's discretion. CreditPlanner.in may earn affiliate commissions on successful applications; this does not influence our ratings or rankings.