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!

 

[VISHESH_BANSAL]

Two doubt!
Does add on card has seperate features activation cost and benifits or these expenses are clubbed with primary holder's features?

Add on Card ke Liye Add on Holder ka SB Account Mandatory hai or Existing AU Relationship AFAIK

But No Seperate Features for Add On.

Can we use lit visa cards in GPay and directly pay to merchant? Wallet route is problematic because of their (new) cap /transaction/day.

Yes. Exclusively with Cred Pay. Cred have Monthly Cashback offer too. 25 Cashback on Minimum 200 Txn Twice on Tap to Pay Txns via AU Credit Cards

Some new info:
Reward points in future may be used for bill pay like sbi rewardz. Some changes are in progress but yet implemented.

Source ? I am thinking to do Mobile Recharges. If Utility Payments are enabled that is Awesome Update Making AU LIT More Rewarding

 

[2025]

Source ? I am thinking to do Mobile Recharges. If Utility Payments are enabled that is Awesome Update Making AU LIT More Rewarding

Yesterday I was checking au reward app after using sbi reward points for bill payment, I saw a new tab bill pay in au reward app though no (biller) option was present. It was blank tab. Today again checked it is not there. May be they are doing some experiments.
Also, au reward platform is following and managed by sbi rewardz (I read it somewhere in au webpage related to complain or something) hence high possibility all sbi reward interlinking will be carried over to au reward.
I use them for mobile recharge and dth long duration plans/ recharge.
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Thanks for updating me about cred. I was not aware of.
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If no seperate features benefits then no use of add on cards. Idea dropped. Thanks for the info.

 

[2025]

Yes. Exclusively with Cred Pay. Cred have Monthly Cashback offer too. 25 Cashback on Minimum 200 Txn Twice on Tap to Pay Txns via AU Credit Cards

I have visa not rupay.
I also have trust issue with cred. I may not save the card in cred for Rs. 50.

 

[VISHESH_BANSAL]

I have visa not rupay.
I also have trust issue with cred. I may not save the card in cred for Rs. 50.

You are comfortable with tokenization in GPay but not in Cred🤣

If you have to do Tap and Pay via AU Credit Card using Mobile , Cred is the Only Option.

50 Cashback is Just Bonus.

 

[2025]

You are comfortable with tokenization in GPay but not in Cred🤣

If you have to do Tap and Pay via AU Credit Card using Mobile , Cred is the Only Option.

50 Cashback is Just Bonus.

No I am also not comfortable to save in GPay. Just wandering if I can or not.
I have an alternatives (via w). Don't know how long it will remain so.

 

[NikhilG]

I paid my due amount in full first which got settled instantly and I got confirmation msg from au bank as well. After that I tried to pay more via enter your amount those transaction didn't get settle and even outstanding balance didn't get adjusted due to that. Customer care guy's don't have clue about it and asking me to wait for 72 hours. Is it true it takes time ? Even though it's a small amount still I would not want to lose it moreover it would mean that I can't use enter your amount feature ever

Quick update:
I couldn't track the transaction I did where did that money go even AU customer care has no idea. What happens in this case?

 

[NikhilG]

I want to pay visa fees on government online website. Would that count as a retail transaction?

 

[techwicky]

For Payzapp wallet load what all custom features should I add on my AU LIT? Extra milestone, 10x on online?

 

[Harsha896]

For Payzapp wallet load what all custom features should I add on my AU LIT? Extra milestone, 10x on online?

2/5% milestone, 10x on online, 200 rs on 10000 something should be enough I think

 

[Raghav2006]

2/5% milestone, 10x on online, 200 rs on 10000 something should be enough I think

When is this 2% milestone renewed?

Like I activated it 28th last month and was able to spend 50k before 15th of this month and have already got new expenses, when should I do them?

Also if we activate apparel cashback milestone just after the purchase we do get the cashback, right?

 

[VISHESH_BANSAL]

When is this 2% milestone renewed?

Like I activated it 28th last month and was able to spend 50k before 15th of this month and have already got new expenses, when should I do them?

Check Manage Features Tab. Each and every detail is there.

Also if we activate apparel cashback milestone just after the purchase we do get the cashback, right?

If activated same day, Txn will count even if it is activated after Purchase.

 

[Raghav2006]

Check Mangage Features Tab. Each and every detail is there.

If activated same day, Txn will count even if it is activated after Purchase.

Understood, thank you so much sir.

 

[Megamind90]

That is why.

Look for amazon.in in OTP Email
And amaon in in OTP Sms

Right now this combination is getting tagged as Apparel too apart from PRIVATET on OTP Page.

hello @VISHESH_BANSAL ,

I think AU bank Cleared this loop hole too.
6th Jan did a transaction of 1K in amazon GC and i got SmS Amazon in and email as amazon.in ( same as you mentioned) i didnt got appareal cashback.

 

[2025]

hello @VISHESH_BANSAL ,

I think AU bank Cleared this loop hole too.
6th Jan did a transaction of 1K in amazon GC and i got SmS Amazon in and email as amazon.in ( same as you mentioned) i didnt got appareal cashback.

Lately AU Bank has reduced benefits in their offerings maybe because they have achieved their customer acquisition target.

For activation of each and every features in their (much hyped flagship) AU Lit CC they are charging Rs. 1000+ annual fees still offering much less nowadays.

I have never heard any limit increase related offers. They have also reduced savings account interest like all major banks but their pre approved loans are at much higher rate.

Frankly speaking, nothing much to expect from them. They are also bank as usual. Initially their was a hype but now all gone.
(edited)
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Coming to your question, amazon has (possibly) changed MCC for AGV, again. As per SBI categorisation it is now under grocery (APay, Gurgaon), in December it was apparel. Check statement. You may notice difference.

 

[ShubhamN]

I activated the rs 20 - 200 cashback feature, and it had the date till 15 Jan. The rs 20 feature has vanished from my activated feature on 15th. I made a transaction on 14. Will it count in rs 20 feature? Or the date means for settled transactions?

 

[2025]

I activated the rs 20 - 200 cashback feature, and it had the date till 15 Jan. The rs 20 feature has vanished from my activated feature on 15th. I made a transaction on 14. Will it count in rs 20 feature? Or the date means for settled transactions?

Counted for sure.