Question 1

Are the features auto-renewed on the AU LIT Credit Card?

Accepted Answer

Yes, features on the AU LIT Credit Card are designated as auto-renewal by default. Each feature has a fixed validity period of 90 days from the date of activation. For newly onboarded customers, the feature period starts from the date of card activation. Customers can disable auto-renewal by visiting the AU 0101 Mobile Banking App. Once disabled, the feature will not be renewed after the 90-day period ends. The bank reserves the right to modify, suspend, or discontinue feature availability at its sole discretion.

Question 2

Where can I disable auto-renewal of features on the AU LIT Credit Card?

Accepted Answer

You can disable auto-renewal of your subscribed features on the LIT feature activation page by visiting the AU 0101 Mobile Banking App, but only after 7 days from the date of feature activation. Once disabled, the feature will not be auto-renewed after the 90-day existing feature duration ends. This gives you full control over which features you continue to pay for each quarter.

Question 3

What is the feature duration on the AU LIT Credit Card?

Accepted Answer

Features on the AU LIT Credit Card generally carry a validity period of 90 days from the date of activation. For newly onboarded customers, the feature period begins from the date of card activation and remains valid for 90 days thereafter. The applicable feature fee is charged on the date the customer opts in, except when a feature is selected during the application process, in which case the fee is levied from the card activation date. The bank may also introduce features with shorter validity durations from time to time.

Question 4

How does feature pricing work on the AU LIT Credit Card?

Accepted Answer

Feature fees on the AU LIT Credit Card are applicable for the feature duration, typically 90 days. The fee is charged on the date the customer opts in for the feature. However, if a feature is selected during the application process, the fee is levied from the card activation date. Features start at just ₹49 per quarter, allowing you to pay only for the benefits you actually want and use.

Question 5

When will I receive cashback on my AU LIT Credit Card?

Accepted Answer

Cashback earned on your AU LIT Credit Card will be credited after 5 days of the 30-day ending period. This means once your 30-day cashback cycle ends, the earned cashback will be processed and credited to your account within 5 days. Make sure you have the relevant cashback feature activated and meet any applicable minimum spend requirements to qualify for the cashback.

Question 6

When will I receive my membership code for OTT subscriptions on the AU LIT Credit Card?

Accepted Answer

For membership features such as ZEE5 and Amazon Prime, customers will receive the membership code instantly upon activating the feature. The code will be visible on the AU 0101 App. Please note that penalty charges apply for not meeting the spending criteria — ZEE5 requires ₹5,000 spent in 90 days (otherwise ₹50 penalty), and Amazon Prime requires ₹10,000 spent in 90 days (otherwise ₹299 penalty). Penalty is levied 5 days after the feature end date.

Question 7

What are the joining and annual fees for the AU LIT Credit Card?

Accepted Answer

The AU LIT Credit Card has no joining fee and no annual fee. It is India's first customisable credit card where you only pay for the features you choose to activate. Features start at just ₹49 per quarter, making it a flexible and cost-effective card. You can select, switch, and deactivate features based on your lifestyle needs, ensuring you never pay for benefits you don't use.

Question 8

What reward points benefits are available on the AU LIT Credit Card?

Accepted Answer

The AU LIT Credit Card offers up to 10x reward points on all online and offline domestic and international transactions. You can opt for 10x reward points at ₹299 for 3 months or 5x reward points at ₹199 for 3 months. These are add-on features that can be activated as per your spending habits. Reward points accumulate based on your transactions during the active feature period.

Question 9

Does the AU LIT Credit Card offer airport lounge access?

Accepted Answer

Yes, the AU LIT Credit Card offers up to 2 complimentary domestic airport lounge visits per quarter. Lounge access is available as a paid add-on feature priced at ₹399 per visit. A maximum of 2 visits can be selected for a 90-day period. This feature allows you to unwind and relax during your travels at domestic airports across India, but only if you have activated the lounge access feature.

Question 10

Is there a fuel surcharge waiver on the AU LIT Credit Card?

Accepted Answer

Yes, the AU LIT Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations across India. This benefit is available as an add-on feature for just ₹49 per quarter. Once activated, the waiver applies automatically on eligible fuel transactions, helping you save on every fuel purchase throughout the feature duration.

Question 11

What fraud protection does the AU LIT Credit Card offer?

Accepted Answer

The AU LIT Credit Card offers card fraud liability protection of up to ₹1.5 lakh. This covers fraudulent transactions in cases of loss of credit card, card counterfeit or skimming, and online frauds. Additionally, a credit shield of up to ₹1.5 lakh is also available. To benefit from this protection, you must report any loss or fraudulent activity to the bank promptly. Terms and conditions apply.

Question 12

What OTT memberships are available as add-on features on the AU LIT Credit Card?

Accepted Answer

The AU LIT Credit Card offers 3-month OTT memberships as add-on features. You can activate a ZEE5 membership (3 months) for ₹99 + GST, which provides access to 2,800+ blockbusters, 150+ web series, LIVE TV, and more. Amazon Prime (3 months) is available for ₹199 + GST, offering unlimited free delivery, video streaming, and exclusive deal access. Note that spending criteria must be met to avoid penalty charges.

Question 13

How do I unlock the ₹200 Amazon Pay eGift voucher on the AU LIT Credit Card?

Accepted Answer

The ₹200 Amazon Pay eGift voucher can be added for ₹50 as a feature on the AU LIT Credit Card. To unlock the voucher, you must spend ₹10,000 within 30 days during the feature period. Once the spending threshold is reached, the voucher code will be sent to you via SMS and email. You can also visit the AU 0101 App to view and redeem the code. A penalty applies if spending criteria are not met within the stipulated period.

Question 14

What milestone cashback benefits are available on the AU LIT Credit Card?

Accepted Answer

The AU LIT Credit Card offers milestone cashback as a paid add-on feature at ₹199 per quarter. You can earn an additional 5% cashback on minimum retail spends of ₹10,000 and an additional 2% cashback on minimum retail spends of ₹15,000 during the feature period. This benefit allows you to maximise savings based on your monthly spending patterns. Cashback is credited within 5 days after the 30-day ending period.

Question 15

How can I apply for the AU LIT Credit Card?

Accepted Answer

You can apply for the AU LIT Credit Card online through the AU Small Finance Bank website by clicking the 'Apply Now' button on the LIT Credit Card page. You can also track your application status through the dedicated credit card application tracking link on the website. For further assistance, you can reach out to AU Bank's 24x7 customer support. The card has no joining or annual fee, making it easy to get started.

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