Discovering the Benefits of the AU LIT Credit Card

[cardio_guy]

Is it a pay per category model card? Like we need to pay and activate some segments to get those benefits? Anything like that?

 

[NikhilG]

In AU Lit card, they have two types of cashback features.

1) Milestone based in which on spending above 7500 you will get 5% cashback which is capped at ₹500 for one cycle of 30days. The same type also has a 2% cashback feature.
2) Catagory based cashback which is capped at 1000. It depends on which category you want to pick from grocery and apparel or you can pick both. Each category give 5% cashback.
I am using the combination of grocery + 7500 milestone feature, which gives me 1500 on spend of 20000, so the combination gives me 7.5% cashback on it.

I don't spend on apparel, so I decided not to opt for it, but if you can spend 20,000 on apparel every month then you can also get 5% cashback upto 1000.
Which can get you 2500 on total spend of 40,000 (including all the 3 features)

what all comes under grocery spends?
Also for 7500 milestone it says retail spends, does it count online spends as well?

 

[vine]

Is it a pay per category model card? Like we need to pay and activate some segments to get those benefits? Anything like that?

Yes. Category wise you can activate and use. Auto-renews.

 

[NikhilG]

Yes. Category wise you can activate and use. Auto-renews.

for 7500 milestone it says retail spends, does it count online spends as well?

 

[chuckzspadina]

In AU Lit card, they have two types of cashback features.

what all comes under grocery spends?
Also for 7500 milestone it says retail spends, does it count online spends as well?

Grocery spend like spend on blinkit, zepto and other grocery application which uses grocery MCC.
And in milestone online spend is also counted.

 

[chuckzspadina]

RP = Rs.0.2 correct?
whats the expiry for reward points?

RP= 0.25 paisa*
Excluding E - voucher where it is 0.20 paisa.
RP expires after 2 years.
99+GST will be charged for each redemption.