AU Bank LIT Credit Card Review: Fees, Benefits and Features
The AU Bank LIT Credit Card offers a unique approach by allowing users to customize their benefits through various ‘baskets’. This customization ensures the card caters to individual needs and preferences, thereby providing a personalized experience.
Flexible Benefit Baskets
One of the standout features of the AU Bank LIT Credit Card is its flexible benefit basket system. Users can choose from multiple baskets, each tailored for specific preferences such as travel, shopping, or entertainment. These benefit baskets are:
| Benefit Basket | Description | Charges |
|---|---|---|
| Travel Benefits | Access to airport lounges | INR 499 every 90 days |
| Festive Cashback | Additional cashback during festivals | INR 49 every 90 days |
Reward Points and Other Benefits
The AU Bank LIT Credit Card offers various rewards and benefits designed to enhance your spending experience:
- 5X/10X Reward Points on online and offline transactions, redeemable for discounts.
- 1% Fuel Surcharge Waiver on transactions between INR 400 to INR 5,000.
- Category Cashback on daily expenses like groceries, dining, and travel.For more cashback options, the SBI Cashback Credit Card Review may be of interest.
- Zero liability for fraudulent transactions reported promptly, up to INR 1,50,000.
For those who prefer fuel-related benefits, the Axis Indian Oil Credit Card Review offers an interesting comparison.
Special Features
The AU Bank LIT Credit Card offers several special features to enhance the user experience:
- Up to 4 airport lounge visits every 90 days.
- Three-month memberships for ZEE5, Amazon Prime, and Cult Pass Live.
- Credit Shield up to INR 1.5 Lakhs.
If you’re looking for other premium options, check out the ICICI Emeralde Credit Card Benefits.
How to Redeem Reward Points
You can easily redeem your reward points for exciting discounts on various categories such as travel, shopping, and dining. Follow these steps:
- Log in to the AU 0101 app or net banking portal.
- Navigate to the credit card section and select your LIT Credit Card.
- Click on ‘redeem reward points’ and choose your desired category or item.
- Confirm your redemption request to complete the process.
If you’re more into retail benefits, the Flipkart Axis Bank Credit Card Review offers excellent redemption options for online shopping.
Considerations
While the AU Bank LIT Credit Card offers numerous advantages, there are a few considerations:
- No reward points on cash withdrawals, fuel, or EMI transactions.
- INR 99 charge for redeeming reward points.
To explore an alternative with more flexible options for fuel transactions, consider the SBI BPCL Credit Card Review.
Conclusion
The AU Bank LIT Credit Card stands out with its customizable benefits and flexible features. Whether you’re a frequent traveler or a shopping enthusiast, this card can be tailored to your lifestyle, making it a worthy contender in the credit card market.For other customizable cards, the AU Altura Credit Card Review offers another perspective on flexible benefits.
Frequently Asked Questions
What is the joining fee for the LIT Credit Card?
There is no joining fee for the LIT Credit Card, however, you pay for the itemized services you subscribe to.
Can one obtain an LIT Credit Card against an FD?
Yes, if you do not have a regular income source or a satisfactory credit score, you may opt for a credit card against an FD (Fixed Deposit).For similar secured credit card options, the IDFC First WOW Credit Card Review offers insights.
