AU LIT Customizable Features

[krishc]

Anyone who has AU LIT CC, can you please post the prices of all the different features you can add-on in this card ! (e.g. 299+ GST for 10x reward points online for 90 days)
Will decide based on those costs whether to go for that card !

 

[purush]

Actually it makes it pretty good card. Better than zenith and ultr

I was about to take zenith but taken this as LTF and as surprise got good cashback

 

[thekirang]

If two features activated at a time. For ex. 1st) 5% additional cashback

2nd) 10x rewards on online transaction.



Then made transaction of 10k on flipkart.com



Question is, do we get benefits of two features (5% cashback + 10x rewards) on this single transaction of 10k made on flipkart.com?

 

[rp0703]

If two features activated at a time. For ex. 1st) 5% additional cashback

2nd) 10x rewards on online transaction.



Then made transaction of 10k on flipkart.com



Question is, do we get benefits of two features (5% cashback + 10x rewards) on this single transaction of 10k made on flipkart.com?

Both.

 

[vm999]

If two features activated at a time. For ex. 1st) 5% additional cashback

2nd) 10x rewards on online transaction.



Then made transaction of 10k on flipkart.com



Question is, do we get benefits of two features (5% cashback + 10x rewards) on this single transaction of 10k made on flipkart.com?

Yes.. You will get both the benefits. I am currently using 2% cashback +10X rewards

 

[SiddharthR]

If two features activated at a time. For ex. 1st) 5% additional cashback

2nd) 10x rewards on online transaction.



Then made transaction of 10k on flipkart.com



Question is, do we get benefits of two features (5% cashback + 10x rewards) on this single transaction of 10k made on flipkart.com?

For transaction of a month,
Transaction of ₹10,000 will incur highest % of cb i.e. ~5%
Below that <5%
Above that ~2.5% and will increase upto 2.5% as you spend higher
{Calculations are done by taking fees into consideration}

Conclusion is SBI Cashback can provide better cb than AU LIT (most of the times)

 

[krishc]

If anyone using AU LIT actively here - can you please check with AU customer care what are the MCCs considered for Grocery category cashback? Is it 5411 only or 5311 also included ?

 

[rp0703]

If anyone using AU LIT actively here - can you please check with AU customer care what are the MCCs considered for Grocery category cashback? Is it 5411 only or 5311 also included ?

 

[krishc]

MCC - 5411, 5422, 5441, 5451, 5462, 5499 and 5921

Grocery & Supermarkets | https://www.aubank.in/lit-terms-and-conditions

But how does it matter? are you okay to change places to purchase groceries somewhere where MCCs/rewards matched?

thanks for sharing the info

it's actually the opposite
the place I spend most in - has the MCC 5311 afaik, that's why I want to check whether I can get max benefit from this card or not ?

 

[ankitshukla]

Both.

Can we get both wallet load also?? Please confirm

 

[rp0703]

Can we get both wallet load also?? Please confirm

Yes.

 

[unknown user]

I'm a little confused here.

If I do 2 transactions of Rs. 5000 each. I achieved the spend of Rs. 7500, will I get cash on entire amount or only on Rs. 2500 (10000-7500).

Confirmed from the customer care. Rs. 7500 in 30 days is threshold and after reaching the threshold, we will get 5% up to Rs. 500 on all transactions including Rs. 7500.

So in the month in which we touch the milestone we have 125 rs cashback to earn .as upper limit is 500 and 5% of 7500=375

 

[SiddharthR]

So in the month in which we touch the milestone we have 125 rs cashback to earn .as upper limit is 500 and 5% of 7500=375

Arey Bhai kehna kya chahte ho ⁉️

 

[unknown user]

Arey Bhai kehna kya chahte ho ⁉️

arey 7500 milstone hai jispe 5% milta hai aur 5% ki limit 500 per month hai .toh agar 7500 pe mil jaata hai 5% toh 375 banta hai.tih 125 bacthe hai na us mahine me

 

[SiddharthR]

arey 7500 milstone hai jispe 5% milta hai aur 5% ki limit 500 per month hai .toh agar 7500 pe mil jaata hai 5% toh 375 banta hai.tih 125 bacthe hai na us mahine me

Yes

 

[bugmenot]

Fuel, Rent, Insurance and cash withdrawal are excluded.

I couldn't find insurance in exclusion category, could you share the link and screenshot?

This seems to be an underrated card. It's possible to get ~5% cashback on offline spends, but this requires proper planning before spend.

This video has shown few examples of combinations

 

[rp0703]

I couldn't find insurance in exclusion category, could you share the link and screenshot?

This seems to be an underrated card. It's possible to get ~5% cashback on offline spends, but this requires proper planning before spend.

This video has shown few examples of combinations

 

[bugmenot]

If I buy electronics, apparels, grocery from same store like reliance smart. Which MCC I should expect and which category I should turn on?

 

[bugmenot]

I did some analysis and prepared this clubbing examples, is my understanding correct? All the spend, CB, fee is calculated for 30 days. Max spend is as per the selected add-on. The fee is including GST.

 

[Wealth is my birth right!]

I did some analysis and prepared this clubbing examples, is my understanding correct? All the spend, CB, fee is calculated for 30 days. Max spend is as per the selected add-on. The fee is including GST.

View attachment 12588

Nice to the see the best extract from an ltf source

 

[bugmenot]

Is there any cap for 10x/5x add-on?