Discovering the Benefits of the AU LIT Credit Card

[chuckzspadina]

Hey everyone! I wanted to share my recent experience with the AU LIT credit card, which has been nothing short of amazing. Last month, I managed to get a return of around 10% on my spending, and here’s how it all added up:

Cashback Highlights:

Total Cashback Received: ₹1,600.00

Reward Points Breakdown:

Points Earned: 2,300

Each reward point is worth ₹0.25, so the 2,300 points I earned last month are equivalent to ₹575.00.


Although I don’t have the SBI Cashback card, the AU LIT credit card has not disappointed me at all. It not only gave me substantial cashback but also helped me rack up a ton of reward points. These points can be redeemed for a variety of rewards, making every purchase feel even more worthwhile.

If you’re on the lookout for a credit card that offers great returns and rewards, I highly recommend giving the AU LIT credit card a try. It’s been a game-changer for me!

 

[ujjwal2024]

What variant? visa or rupay?

I have visa variant? Whether rupay version exist?

 

[Raghav2006Raghav2006 is verified member.]

I have visa variant? Whether rupay version exist?

It does, since RBi made a guideline to give customers option to choose their network preference.
Ordered mine last week.

AU bank cards are not supported to add to samsung pay.
Might be the same for Gpay too as well.

 

[Raghav2006Raghav2006 is verified member.]

Left line is of cc and right of dc.
Plus axis both dc and cc of mastercard and visa supported.

 

[navdeep22]

And can you tell me what the reward structure?
On each 100 or 200rs how many rp we get with 10X?

10X means 10 reward points per 100 Rs and 5RP equals 1₹

 

[Raghav2006Raghav2006 is verified member.]

10X means 10 reward points per 100 Rs and 5RP equals 1₹

Ok so I should spend Max 1lac each statement on this card, beyond which there will be no returns

 

[navdeep22]

Ok so I should spend Max 1lac each statement on this card, beyond which there will be no returns

There will be standard returns beyond that. This as 25k last monthi think

 

[Bharat]

anyone converted Au Lit Visa to rupay varient ??
is it possible ?
if yes, then how ? by mailing au?

I asked by contacting the support call center, they said we cannot change. but will check by email next.

 

[vine]

There will be standard returns beyond that. This as 25k last monthi think

If I take 2% milestone and 5% apparel cashback subscription, then is the max cashback limit 1000+1000 = ₹2000, or
..
Or is the max total cashback always ₹1000?

 

[Harsha896]

If I take 2% milestone and 5% apparel cashback subscription, then is the max cashback limit 1000+1000 = ₹2000, or
..
Or is the max total cashback always ₹1000?

It's Two thousand

 

[TechnoFi]

It does, since RBi made a guideline to give customers option to choose their network preference.
Ordered mine last week.

AU bank cards are not supported to add to samsung pay.
Might be the same for Gpay too as well.

kindly elaborate the whole process for a network change from visa to rupay.

 

[vine]

Thinking between milestone cashback of 2% and 5%:
Max CB for 5% is 500, so max spend is 10k, (with subscription cost of ₹353), so we get only ₹147.
So breakeven for 2% subscription ( with ₹235 cost) is ₹19,100.
For spends more than 19k , 2% milestone subscription gives more cashback, correct?

 

[TechnoFi]

Thinking between milestone cashback of 2% and 5%:
Max CB for 5% is 500, so max spend is 10k, (with subscription cost of ₹353), so we get only ₹147.
So breakeven for 2% subscription ( with ₹235 cost) is ₹19,100.
For spends more than 19k , 2% milestone subscription gives more cashback, correct?

This calculation even works better when AU bank pre-credits/top-up your wallet with some initial amounts like Rs.299/-, Rs.199/- etc as token money.
Then customer only bears GST component fee.

 

[navdeep22]

Thinking between milestone cashback of 2% and 5%:
Max CB for 5% is 500, so max spend is 10k, (with subscription cost of ₹353), so we get only ₹147.
So breakeven for 2% subscription ( with ₹235 cost) is ₹19,100.
For spends more than 19k , 2% milestone subscription gives more cashback, correct?

Yes choosing between 2% and 5% totally depends on how much are we thinking to spend .
Also once you activate 2% let's say, then you want be able to purchase 5% until subscription period is over for 2%

 

[navdeep22]

If I take 2% milestone and 5% apparel cashback subscription, then is the max cashback limit 1000+1000 = ₹2000, or
..
Or is the max total cashback always ₹1000?

Every subscription feature has its own cashback cap, they are mutually exclusive and independent from each other

 

[chuckzspadina]

Yes choosing between 2% and 5% totally depends on how much are we thinking to spend .
Also once you activate 2% let's say, then you want be able to purchase 5% until subscription period is over for 2%

I also have similar thinking, it depends on individual, if someone is able to spend 50,000 to get 1000 cashback at 2% then that is their choice. But personally I believe in getting 5% at 500 cap which only require someone to spend only 10,000. And the best to always activate the 10x reward points because it will take care of your subscription fee. Because on every 10, 000 spend we will get ₹200-250 return as 1000 reward points.

 

[vine]

Understood, and just received welcome email from them, they've provided only a limit of 2L (least in all my cc) whereas while application it was 5L

I just found the screenshot of application I took while submitting.
In the application it showed CL as 6L,
The card I got has CL as 80k.
AU is too cheap. I don't even feel like arguing/threatening them.

 

[VISHESH_BANSAL]

kindly elaborate the whole process for a network change from visa to rupay.

Do not Convert to AU LIT Rupay, if you want Peace of Mind.

 

[VISHESH_BANSAL]

Thinking between milestone cashback of 2% and 5%:
Max CB for 5% is 500, so max spend is 10k, (with subscription cost of ₹353), so we get only ₹147.
So breakeven for 2% subscription ( with ₹235 cost) is ₹19,100.
For spends more than 19k , 2% milestone subscription gives more cashback, correct?

2% Milestone is No Brainer.

With Apparel and/or Grocery Feature Activated, 23k Monthly spends is achievable which is actual Break even Point.

 

[navdeep22]

Guys, I bought Amazon pay voucher from amazon.in and got appearals 5% cashback.
Enjoy

 

[ambikesh]

Guys, I bought Amazon pay voucher from amazon.in and got appearals 5% cashback.
Enjoy

How bro. please elaborate the process