AU Small Finance LIT Credit Card India ka pehla fully customizable credit card hai, jisme aap apni zarurat ke hisaab se features select kar sakte hain aur sirf unhi features ke liye payment karte hain. Traditional credit cards ki tarah fixed benefits dene ke bajay, AU Bank ne is card ko is tarah design kiya hai ki cardholders apni spending habits ke hisaab se rewards aur privileges customize kar saken.
AU 0101 App ke through aap 90 din ke liye apni pasand ke feature packs activate kar sakte hain. In feature packs me accelerated Reward Points, cashback, airport lounge access, travel benefits, shopping offers aur premium memberships jaise options shamil hote hain. Is flexibility ki wajah se aap sirf un benefits ke liye pay karte hain jinhe aap actually use karna chahte hain.
Card ke saath har ₹100 ke eligible retail spend par 1 Reward Point milta hai. Iske alawa, selected feature packs activate karne par 5X ya 10X Reward Points, cashback aur Amazon Prime ya ZEE5 jaise premium memberships ka benefit bhi mil sakta hai. Yeh unique pay-as-you-use model is card ko market ke doosre cashback aur rewards credit cards se alag banata hai.
Aage is review me hum AU Small Finance LIT Credit Card ke customizable features, rewards, benefits, fees, eligibility, pros aur cons ko detail me samjhenge, taaki aap aasani se decide kar saken ki yeh innovative credit card aapke liye sahi choice hai ya nahi.
AU Bank LIT Credit Card
Rewards and Benefits
›3 Months of Complimentary Membership of Zee5 and Amazon Prime (Paid Feature)
Redeem Reward Points for exciting discounts and offers.
1 Complimentary Airport Lounge Access Every Quarter (Paid Feature)
N/A
1 Reward Point/₹100 Spent. 10X or 5X Accelerated Reward Points and Additional Cashbacks (Paid Features)
N/A
N/A
N/A
Fees & Charges
›N/A
3.75% Per Month (45% Per Annum)
₹99 + GST
N/A
3.49%
2.5% or ₹500 Whichever is Higher
Product Details
›- India ka pehla fully customizable credit card, jisme aap apni zarurat ke hisaab se features select kar sakte hain.
- AU 0101 App ke through jab chahein tab apne preferred feature packs activate ya change karein.
- Amazon Prime aur ZEE5 ki 3 mahine ki membership (selected feature pack activate karne par).
- Har ₹100 ke eligible retail spend par 1 Reward Point earn karein.
- Selected feature packs ke saath 5X ya 10X accelerated Reward Points online aur offline spends par.
- Eligible ₹400 se ₹5,000 ke fuel transactions par 1% fuel surcharge waiver.
- Spending milestone achieve karne par 5% ya 2% additional cashback ka benefit.
- Grocery, travel aur dining jaise selected categories par 5% additional cashback (activated feature pack ke anusar).
- Selected lounge feature activate karne par har quarter 1 complimentary domestic airport lounge visit.
Pros/Cons
›- India ka pehla customizable credit card hai, jisme aap apni zarurat ke hisaab se features activate karte hain aur sirf unhi benefits ke liye payment karte hain.
- Lifetime free card hone ke saath cashback, accelerated Reward Points, lounge access aur premium memberships jaise benefits ko flexible tareeke se choose karne ki facility milti hai.
- Premium features default me free nahi milte. Har feature pack ko alag se purchase karna padta hai aur uski validity limited hoti hai.
- Selected feature packs auto-renew ho jaate hain. Agar time par auto-renewal disable na kiya jaye, to feature pack ka charge dobara lag sakta hai.
AU Bank LIT Credit Card ke Features aur Benefits
AU Small Finance Bank LIT Credit Card ki sabse badi khasiyat iska customizable benefits model hai. Traditional credit cards ki tarah isme fixed features nahi milte. Iske bajay aap AU 0101 App ke through apni zarurat ke hisaab se features activate kar sakte hain aur sirf unhi features ke liye payment karte hain. Har selected feature 90 din tak valid rehta hai, jiske baad aap use renew kar sakte hain ya apni spending habits ke hisaab se koi naya feature choose kar sakte hain.
Chahe aapko travel benefits chahiye, shopping rewards, cashback ya entertainment perks, aap apni requirement ke hisaab se ek ya multiple feature packs select kar sakte hain. Isi flexibility ki wajah se AU Bank LIT Credit Card market ke sabse unique credit cards me se ek mana jata hai.
Airport Lounge Access
Agar aap travel ke dauran airport lounge ka comfort enjoy karna chahte hain, to is feature ko alag se activate kar sakte hain.
Is feature ko activate karne par aap 90 din ke liye 1 complimentary domestic airport lounge visit ka benefit pa sakte hain. Is feature pack ki activation fee ₹399 hai. Yeh un users ke liye useful hai jo regular lounge access ki jagah sirf zarurat ke hisaab se iska benefit lena chahte hain.
Note: LIT Credit Card ke saare feature packs optional hote hain. Aap sirf wahi benefits activate karte hain jinhe aap use karna chahte hain aur unki validity 90 din hoti hai.
Membership Benefits
Entertainment lovers ke liye AU Bank LIT Credit Card premium subscription plans bhi offer karta hai. Aap apni zarurat ke hisaab se membership feature activate kar sakte hain, jo 90 din tak valid rehta hai.
- ZEE5 Membership (3 Months) – ₹99 me 90 din ke liye available. Is benefit ko continue rakhne ke liye 90 din ke andar minimum ₹5,000 spend karna zaroori hai, warna ₹50 penalty charge ki jaati hai.
- Amazon Prime Membership (3 Months) – ₹299 me 90 din ke liye available. Is feature ke liye minimum ₹10,000 spend karna hota hai, warna ₹100 penalty applicable hoti hai.
Fuel Surcharge Waiver
Fuel expenses par bhi aap optional feature activate karke savings kar sakte hain.
- ₹49 me 90 din ke liye 1% fuel surcharge waiver activate kiya ja sakta hai.
- Yeh benefit ₹400 se ₹5,000 ke eligible fuel transactions par applicable hai.
Note: LIT Credit Card ke saare feature packs auto-renewal par hote hain. Agar aap kisi feature ko continue nahi rakhna chahte, to 90 din poore hone se pehle auto-renewal manually disable karna hoga.
Milestone Cashback
Agar aap monthly spending milestones complete karte hain, to additional cashback feature bhi activate kar sakte hain.
- 5% Additional Cashback Pack – ₹299 me 30 din ke liye available. Minimum ₹10,000 eligible spends par maximum ₹500 cashback per month milta hai.
- 2% Additional Cashback Pack – ₹199 me 30 din ke liye available. Minimum ₹15,000 eligible spends par maximum ₹1,000 cashback per month earn kiya ja sakta hai.
Fuel, rent aur cash advance transactions milestone cashback ke liye eligible nahi hote.
Category Cashback
Agar aap kisi specific category me zyada spending karte hain, to us category ka cashback feature activate kar sakte hain.
- Grocery Cashback – ₹299 me 90 din ke liye 5% cashback, maximum ₹1,000 per month.
- Apparel Cashback – ₹199 me 90 din ke liye 5% cashback, maximum ₹500 per month.
5X / 10X Reward Points
LIT Credit Card aapko online aur offline spending ke liye accelerated Reward Points feature bhi choose karne ka option deta hai.
Online Spends
- 10X Reward Points – ₹299 me 90 din ke liye.
- 5X Reward Points – ₹199 me 90 din ke liye.
Offline Spends
- 10X Reward Points – ₹299 me 90 din ke liye.
- 5X Reward Points – ₹199 me 90 din ke liye.
Rent, fuel aur cash withdrawal transactions par 5X/10X Reward Points applicable nahi hote.
AU Bank LIT Credit Card ke Reward Points
AU Bank LIT Credit Card ke saath har eligible retail transaction par Reward Points earn hote hain. Agar aap additional 5X ya 10X Reward Points feature activate karte hain, to selected categories me aur bhi zyada rewards earn kar sakte hain.
Har ₹100 ke eligible retail spend par 1 Reward Point milta hai. Halaanki, kuch transaction categories par Base Reward Points applicable nahi hote, jaise:
- Cash withdrawals
- EMI transactions
- Rent payments
- Education payments
- Fuel transactions
AU Bank LIT Credit Card ke Reward Points Kaise Redeem Karein?
Earn kiye gaye Reward Points ko aap kai tarah ke redemption options ke liye use kar sakte hain. Isse cardholders apni zarurat ke hisaab se rewards ka maximum value le sakte hain.
Aap Reward Points ka use in options ke liye kar sakte hain:
- Merchandise aur products purchase karne ke liye.
- Flight, hotel, bus aur movie ticket bookings ke liye.
- Mobile aur DTH recharge ke liye.
- Bharat ke selected golf courses par golf sessions book karne ke liye.
- E-Gift Vouchers redeem karne ke liye.
- Reward Points ko Air Miles me convert karne ke liye.
AU Bank LIT Credit Card me Feature Kaise Select Karein?
AU Bank LIT Credit Card ki sabse unique baat yeh hai ki aap apni zarurat ke hisaab se features ko kabhi bhi activate ya manage kar sakte hain. Yeh poora process AU 0101 App ke through kuch hi minutes me complete ho jata hai.
Feature Activate Karne Ka Process
Apni pasand ka feature select karne ke liye neeche diye gaye steps follow karein:
- AU 0101 App open karein aur Credit Card section me jayein.
- Manage Credit Card option par tap karein.
- Available feature packs ki list dekhein aur apni zarurat ke hisaab se category choose karein.
- Har feature ki price aur validity check karein, phir apne budget aur spending pattern ke hisaab se feature activate kar dein.
- Feature activate hone ke baad uske rewards, cashback aur usage ko AU 0101 App me aasani se track kar sakte hain.
Note: Har selected feature ki validity 90 din hoti hai aur default roop se auto-renewal enabled rehta hai. Agar aap feature ko continue nahi rakhna chahte, to validity khatam hone se pehle auto-renewal disable kar sakte hain.
AU Bank LIT Credit Card ke Liye Eligibility Criteria
AU Bank LIT Credit Card ke liye apply karne se pehle aapko bank ke basic eligibility criteria ko fulfill karna hoga. Final approval AU Small Finance Bank ke internal credit assessment aur verification process par depend karta hai.
| Criteria | Eligibility |
|---|---|
| Age (Primary Cardholder) | 21 se 60 years |
| Age (Add-on Cardholder) | Minimum 18 years |
| Residency Status | Indian Resident |
Iske alawa applicant ke paas stable source of income hona chahiye. Bank ne is card ke liye minimum income requirement officially disclose nahi ki hai. Saath hi, approval ke chances badhane ke liye accha CIBIL score aur healthy credit history hona bhi zaroori hai.
Note: Eligibility criteria poora karna card approval ki guarantee nahi hai. Final decision AU Small Finance Bank ki internal policies, income verification aur credit profile ke basis par liya jata hai.
AU Bank LIT Credit Card ke Liye Apply Kaise Karein?
Agar aap AU Bank LIT Credit Card ke liye apply karna chahte hain, to aap online ya offline dono tareekon se application submit kar sakte hain.
Online Apply Karne Ka Process
Online application process kaafi simple hai:
- “Apply Now” button par click karein.
- Apni personal, income aur contact details fill karein.
- Zarurat padne par required documents upload karein aur application submit kar dein.
Agar aap offline apply karna chahte hain, to apni nearest AU Small Finance Bank branch par jaakar credit card application form bhar sakte hain aur required documents ke saath submit kar sakte hain.
Note: Card approval applicant ki eligibility, income, CIBIL score aur AU Small Finance Bank ke internal verification process par depend karta hai.
Bottom Line
AU Bank LIT Credit Card un users ke liye ek unique choice hai jo apni spending habits ke hisaab se credit card benefits ko customize karna chahte hain. Is card ki sabse badi khasiyat iska pay-for-what-you-use model hai, jisme aap AU 0101 App ke through sirf wahi feature packs activate karte hain jinhe aap use karna chahte hain. Isse unnecessary annual fee ya unwanted benefits ke liye payment karne ki zarurat nahi padti.
Cardholders apni requirement ke hisaab se cashback, accelerated Reward Points, airport lounge access, premium memberships, grocery rewards, travel benefits aur kai doosre feature packs ko activate kar sakte hain. Saath hi, card lifetime free hai, isliye jab aap koi paid feature use nahi kar rahe hote, tab bhi joining ya annual fee ka koi burden nahi hota.
Halaanki, is card ke premium benefits complimentary nahi hote. Har feature pack ko alag se purchase karna padta hai aur zyadatar features 90 din ke liye valid rehte hain. Agar auto-renewal disable nahi kiya jaye, to selected feature pack automatically renew bhi ho sakta hai.
Agar aap ek flexible aur customizable lifetime free credit card dhoondh rahe hain, jisme aap apni zarurat ke hisaab se benefits select kar saken, to AU Bank LIT Credit Card market ke sabse innovative options me se ek hai.
FAQs
Kya AU Bank LIT Credit Card me Ek Se Zyada Feature Category Select Kar Sakte Hain?
Haan. AU Bank LIT Credit Card ke saath aap ek ya ek se zyada feature packs ek saath activate kar sakte hain. Har selected feature ki validity 90 din hoti hai, jiske baad aap use renew kar sakte hain ya apni zarurat ke hisaab se doosra feature choose kar sakte hain.
Kya Unused Airport Lounge Access Agle 90 Din Me Carry Forward Ho Jata Hai?
Nahi. Agar aap selected feature pack ki validity ke andar apna complimentary lounge access use nahi karte, to woh expire ho jata hai. Unused lounge visits ko agle 90-day cycle me transfer nahi kiya ja sakta.
AU Bank LIT Credit Card par Fuel Surcharge Waiver Kitna Milta Hai?
Is card ke fuel feature ko activate karne par ₹400 se ₹5,000 ke eligible fuel transactions par 1% fuel surcharge waiver milta hai, bank ki applicable terms ke anusar.
Kya Amazon Prime aur ZEE5 ke Alawa Koi Aur Membership Choose Kar Sakte Hain?
Filhaal AU Bank LIT Credit Card ke saath Amazon Prime aur ZEE5 membership options hi available hain. Future me bank naye membership benefits add kar sakta hai, lekin yeh uski latest policy par depend karega.