AU Small Finance Bank LIT Credit Card

Good fit when rewards, fees, and forex fit your spend pattern — no complimentary lounge access.

Top reasons to choose this card

₹1L fee waiver

What you'd do with it

Strong fit when you want everyday spend without annual fee drag.

Suggested comparison Compare with Axis Bank ACE →

Choose another card to compare →

Annual fee ₹0 lifetime free

Forex markup 3.49% high

Lounge access 0 no lounge

Rewards / ₹100 1 pt ₹100

The catch Fee waiver applies, but eligible spend exclusions can matter. Verify current issuer terms before counting on the waiver.

Fee waiver available
Annual fee known
Forex markup known
No lounge access
Monthly interest known

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹0 among the lowest (20 cards)
Joining fee: ₹0
Forex markup: 3.49% lower than 66 of 111 cards
Lounge access: No complimentary lounge access
Reward rate: 1 pt / ₹100

Not a fit for

No domestic lounge access

Still worth it?

Evidence-backed snapshot

Good fit if

Good if avoiding recurring annual fees matters.
Fee waiver applies at ₹1,00,000 annual spend.

Watch out for

No lounge access.

Verify before applying

Annual fee known
Fee waiver available
Forex markup known
No lounge access
Monthly interest known

Welcome benefit timing and claim process.
Annual fee waiver terms and eligible spend exclusions.
Issuer fees, GST, finance charges, and late-payment terms.
Reward exclusions, caps, redemption value, and voucher timelines.

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with Axis Bank ACE Closest alternative from the same pricing or usage lane. Forex ranking (verified) Compared on verified forex markup, then annual fee. No annual fee cards Cards with zero published annual fee.

Is this good for lounge access?

No lounge access.

Is this good for international spends?

Forex markup is 3.49%, so frequent international spends may be costly.

Is the annual fee easy to recover?

No joining or annual fee. GST still applies where applicable. Verify benefit eligibility before applying.

When do welcome benefits arrive?

No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.

Fees confidence: High Forex confidence: High Rewards confidence: Unknown Lounge confidence: High Waiver confidence: Medium

Card facts refreshed 11 July 2026.

Reward reality

Point value · limits · exclusions

Point valueNot published by issuer — varies by redemption

Exclusions/no-earnSome reward rules include excluded categories.

Reward rules

Structured earn rates · eligibility · caps when they bind

General spend1 pt / ₹100——

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: ~500 pts/month (base earn · uses base/general earn rate)
Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): No complimentary lounge access
International (cardholder): Not included

Rewards

Points per ₹100: 1 pt value depends on redemption

Fees & charges

Fees

Monthly interest rate: 3.75% / month
Annual fee: ₹0
Joining fee: ₹0 · verified 7 Jul 2026
Fee waiver spend: ₹1,00,000 Below catalog median waiver (₹2,00,000 vs ₹1,00,000).
Interest-free period: Up to 50 days · verified 7 Jul 2026