Is AU Bank LIT Credit Card good for travel?

AU Bank LIT Credit Card is a cashback card from AU. It is not primarily a travel card, but may offer some travel benefits.

AU • cashback

AU Bank LIT Credit Card

Q: What is the annual fee of AU Bank LIT Credit Card?

The annual fee for AU Bank LIT Credit Card is Rs.499 + GST.

Q: How to apply for AU Bank LIT Credit Card?

You can apply for AU Bank LIT Credit Card online through AU's website or through CreditIQ's unbiased apply link. Eligibility typically requires a credit score of 750+ and a minimum income as per bank criteria.

Honest review — No affiliate bias — Updated May 2026

CreditIQ Score

8.2

out of 10

Rs. 499

Annual Fee

Rs. 499

Joining Fee

Visa/Mastercard

Network

cashback

CreditIQ Verdict

The AU Bank LIT Credit Card is a cashback credit card from AU with an annual fee of Rs.499. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on cashback categories and want to earn meaningful rewards.

Key Benefits

User picks 2 categories monthly

Fees & Charges

Annual FeeRs. 499 + GST

Joining FeeRs. 499 + GST

Interest Rate45% per annum (3.33% per month)

Forex Markup3.5% on international transactions

Cash Advance2.5% of amount (min Rs. 500)

Late PaymentRs. 0 – Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...

+ Spend on cashback regularly

+ Spend Rs.1,996+ per month

+ Have a good credit score (750+)

+ Earn Rs.0.2L+ annually

Skip if you...

- Travel internationally often (high forex markup)

- Carry a balance month-to-month

- Are a first-time credit card user

- Already have a similar card

Frequently Asked Questions

What is the annual fee of AU Bank LIT Credit Card?

The annual fee is Rs.499 + GST. It is waived if you meet the annual spend threshold.

What is the reward rate on AU Bank LIT Credit Card?

AU Bank LIT Credit Card offers 1. Check the benefits section above for category-specific accelerators.

How to apply for AU Bank LIT Credit Card?

You can apply online through AU's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.

Applying via CreditIQ

Zero affiliate bias. We show all cards equally — ranked by value, not commission.

Apply & Earn Compare with other cards

Quick facts

Annual feeRs.499

NetworkVisa/Mastercard

BankAU

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