Customizable Credit Cards Are Now A Reality

Probably, many of us would like to have the power to choose things. Modern businesses have given the power in our hands to pick our favorite by introducing customization. Now the concept of personalization has hit the finance industry. What if we say that you can customize your credit card?

It may sound comic, but currently, you have the power to incorporate multiple possibilities in One card. The AU Small Finance Bank has launched a new customizable credit card named LIT (Live-It-Today) Credit Cards that gives the power to incorporate preferred credit card features. It provides a unique value proposition where you can pick the card features for a particular time of your choice. Also, the LIT Credit Card is India’s first customizable credit card that offers the space to build it in your way. Usually, many banks & NBFCs offer attractive credit cards in different categories, so it is always hard for customers to find a variety of such features in a single card. This pushes people to avail of multiple credit cards providing specific category rewards such as Travel cards for travelholic to tackle travel-related expenses or co-branded cards for online shopping via e-commerce sites. Using LIT Credit Card, the AU Small finance offers the power to pick your favorite and incorporate all categories into one card. Read more to check the features, step-by-step building process, and eligibility criteria of LIT credit cards. 

How To Create Your LIT Card?

  • To begin your Live-It-Today credit card journey, you must download AU 0101 App.
  • To get the power to pick the card features, head to the credit card homepage & press the option ‘Manage Credit Card’ to check out available benefits & pick your preferred one. 
  • Next, you can check the pricing of each feature and pick the card that suits your budget and lifestyle.
  • You can choose or modify the available benefits as per changing needs. Also, you can disable the auto-renewal of any feature via the AU 0101 App. 
  • You can manage and track your cashback and reward points of existing active cards.  

Features of LIT credit cards:

  • Shoppers’ Reward: 

You can earn reward points for every shop and redeem them for exciting discounts and offers.

Shopper’s Rewards are Eligible for the following transactions: 

  • You can earn 10X or 5X reward points on every online domestic & international retail transaction. 
  • You can earn 10X or 5X reward points on Point-Of-Sale  & contactless domestic & international transactions made offline. 
  • The transactions related to cash withdrawal, fuel & EMI are not eligible for program/base reward points.
  • Also, the transactions related to fuel, rent, insurance, and cash withdrawal transactions are not eligible for accelerated rewards points.
  • Milestone Benefits: 

Now you can Add to the cart whatever you want. Also, get cashback on your retail spending with your LIT Credit Card.

Earn additional cashback of 5% on the following: 

  • Three times over 90 days.
  • Earn 5% cashback for retail spending & extra 1 reward point per Rs. 100 spent.
  • The minimum retail spend of Rs. 7,500 & cashback of INR 500 over 30 days.

Additional 2% Cashback on the following: 

  • Get  2% cashback 3 times over 90 days.
  • Earn 2% cash back for spending related to retail in addition to 1 reward point for Rs. 100 spent.
  • The minimum retail spend of Rs. 10,000 & max. 
  • Get Airport Lounge Access: 

Do you Hate long hold-ups at airports?

Now, you can wipe out the long waits by enjoying the comfort of Airport lounges across India with your LIT credit cards. You are eligible for Four complimentary Airport lounge visits per quarter.

  • Fuel Surcharge Waiver: 

Save more on fuel using your LIT credit card’s fuel surcharge waiver. Get a 1% fuel surcharge waiver on all transactions ranging between Rs. 400 to Rs. 5,000. 

  • Category Cashback

Now cater to daily expenses & save more money by earning more rewards. Get a cashback while using a LIT credit card for buying groceries or enjoying dining & travel.

  • Get 5% cash back for travel, dining, and grocery expenses with 1 reward point for every Rs. 100 spent.
  • The maximum cashback of Rs. 1,000 every 30 days.
  • Fun & Fitness – Memberships 

Use LIT credit cards for food delivery, fitness, and entertainment. 

Get 3 Months of Free Membership of:

ZEE5, Amazon Prime, and Cult.Fit

Eligibility of LIT Credit Cards:

The following are the eligibility criteria for LIT credit cards: 

  • The Primary cardholders must be between the age of 21 years and 60 years. Also, the age of the Add-on cardholder should be 18 years. 
  • The person aspiring to get a LIT credit card should be a Resident of India.

Fee & Charges:

The Annual Card Membership fee is Lifetime Free for LIT credit cards. 


Many of us like to purchase customized products & services, so companies are creating innovative products like customized credit cards. The introduction of the LIT Credit Card will aid in catering to the evolving needs of a digital-savvy generation of knowledgeable users. Now, you can customize your LIT credit card with your favorite features to avail yourself of lots of travel, entertainment, shopping, and other benefits.

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