AU LIT Credit Card Review (2026)
AU's entry card for the food delivery generation. 5% on Swiggy and Zomato at just 199/year. A micro-budget card for very specific spending.
Last updated: 2026-05-07· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹199 |
| Joining Fee | ₹199 |
| Fee Waiver | Spend 25,000 in a year |
| Income Required | ₹2L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: Cashback
Our Review
The LIT card is designed for budget-conscious Gen Z spenders who live on Swiggy and Netflix. At 199/year (waived at just 25K spend — about 2K/month), it's practically free. The 5% on food delivery and OTT sounds good but the caps are strict: 200/month on food means the benefit maxes out at 4K in food ordering, and 100/month on OTT means 2K in subscriptions. That's 300/month max cashback, or 3,600/year — still excellent for a 199 card. The 1% base rate is forgettable. Think of this as a very cheap secondary card specifically for food delivery and subscriptions. AU Bank's app and service need work, but at this price point, you can tolerate some rough edges.
Pros & Cons
Pros
- + Incredibly low 199 fee with 25K waiver — practically free
- + 5% on Swiggy/Zomato is meaningful for food delivery addicts
- + 5% on OTT covers Netflix, Hotstar, Spotify subscriptions
- + Very low income requirement — accessible to almost everyone
Cons
- - 1% base rate is the bare minimum
- - Food delivery cashback capped at just 200/month
- - OTT cashback capped at 100/month — very low ceiling
- - AU Small Finance Bank has limited branch network and app quality
Best For
Frequently Asked Questions
Is the AU LIT Credit Card worth it in 2026?
It depends on your spending. The AU LIT Credit Card costs ₹199/year (waiver: Spend 25,000 in a year). With an effective base return of 0.2%, you'd need to spend approximately ₹99,500 per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the AU LIT Credit Card annual fee?
The AU LIT Credit Card has an annual fee of ₹199. Joining fee is also ₹199. Fee waiver: Spend 25,000 in a year.
What is the minimum salary required for AU LIT Credit Card?
The minimum annual income required for the AU LIT Credit Card is ₹2L. However, if you have an existing banking relationship with AU Small Finance Bank, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on AU Small Finance Bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.