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AU · entry tier
AU Bank LIT Credit Card
Choose-your-own-rewards card
Joining fee
₹499
Annual fee
₹499
Base rate
1%
Expert rating
7.3/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹16,100
Fees-₹998
Net annual value+₹15,102
Value breakdown
online (5%)+₹12,000
Base rate (1%)+₹3,600
Welcome benefit+₹500
Annual fee₹499
Joining fee (year 1)₹499
— Highlights
- Choose your reward categories
- 5% on selected categories
- Flexible benefit toggle
— Reward rates
Earn by category
online
5%
User picks 2 categories monthly