AU Bank · Credit Card

AU Bank Lifetime Free Credit Card

Official product: AU LIT Credit Card (mapped from 'Lifetime Free')

Lifetime Free

No joining or annual fee — ever
A low-commitment way to start building credit history

Opens the partner’s official application pageDownload product PDF

Fees, rewards and eligibility shown below are decided solely by AU Bank and can change without notice — always confirm current terms on the official page before applying.

Mapping note: Source row was ambiguous; mapped to AU LIT, AU's lifetime-free card. Verify mapping before publishing.

Fees & Charges

Joining Fee: ₹0 (Lifetime Free)
Annual / Renewal Fee: ₹0 (Lifetime Free)
Annual Fee Waiver Condition: Not required — lifetime free
Interest Rate / Finance Charge: As per AU Small Finance Bank current credit-card MITC / Schedule of Charges.
Late Payment Charges: As per AU Small Finance Bank current credit-card MITC / Schedule of Charges.
Forex Markup Fee: Not disclosed by issuer — check official card page

Rewards, Travel & Lifestyle

Reward / Cashback Rate: Customizable benefits/reward categories; see AU LIT official product terms.
Reward / Cashback Cap: Not disclosed by issuer — check official card page
Welcome Benefits: Not disclosed by issuer — check official card page
Domestic Lounge Access: Not disclosed by issuer — check official card page
International Lounge Access: Not disclosed by issuer — check official card page
Lounge Unlock / Spend Condition: Not disclosed by issuer — check official card page
Fuel Surcharge Waiver: Not disclosed by issuer — check official card page

Eligibility & Documents

Minimum Income / Eligibility: Not disclosed by issuer — check official card page
Age Eligibility: Product-specific; bank underwriting applies.
Employment Type: Salaried / self-employed, subject to bank underwriting.
Documents Required: PAN/KYC, address/identity and income documents as applicable.

Official Sources & Verification

Official card page →Official MITC / Schedule of Charges →

Last verified: 2026-09-12. Verified from official source(s); undisclosed fields explicitly marked

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Frequently asked questions

What are the joining and annual fees for the AU Bank Lifetime Free credit card? ▾

Joining fee: ₹0 (Lifetime Free). Annual fee: ₹0 (Lifetime Free). Fee waiver: Not required — lifetime free.

What rewards or cashback does the AU Bank Lifetime Free credit card offer? ▾

Customizable benefits/reward categories; see AU LIT official product terms.

Who is eligible for the AU Bank Lifetime Free credit card? ▾

Product-specific; bank underwriting applies. Salaried / self-employed, subject to bank underwriting.