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All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
AU SFB
Platinum
•••• •••• •••• 0000
LIT Platinum
RuPayAU Small Finance Bank • RuPay• Platinum
Annual Fee
Free
Base Reward Rate
0.25%
Foreign Tx Fee
3.5%
Tier
Platinum
Joining Fee
Free
Verified
2026-05-27
Domestic & international access details and eligibility criteria
⚠️ Activation: ₹399 per 90 days
Lounge access is a paid 90-day feature pack: ₹399 unlocks 1 visit; max 2 visits per active 90-day pack (~8/yr if continuously subscribed). Activated in AU 0101 app → Manage Credit Card → Airport Lounge → generate QR code. NOT a free walk-in benefit — the ₹399 in activation_spend represents the feature pack fee, not a spend-on-card threshold.
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹1,470
Blended 0.24% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
AU Small Finance Bank LIT ("Live It Today") Credit Card — Visa or RuPay variants. Card itself is Lifetime Free (₹0 joining + ₹0 annual). Welcome perk: ₹300 Amazon Pay / Swiggy / Zomato voucher. **Pay-per-feature model:** each benefit is a 90-day subscription via the AU 0101 app (auto-renew unless disabled). Base (no features active): 1 RP per ₹100 retail (~0.25%, 1 RP = ₹0.25). Max 10,000 RP/month. **Reward features (90-day fee, top up RP rate):** 5X RP online ₹199, 5X RP offline ₹199, 10X RP online ₹299, 10X RP offline ₹299. **Cashback features (90-day fee):** 5% apparel ₹199 (cap ₹500/30d), 5% grocery ₹299 (cap ₹500/30d), 5% milestone on ₹10K spend ₹299 (cap ₹500/30d), 2% milestone on ₹15K spend ₹199 (cap ₹1,000/30d). **Other features (90-day fee):** 1% fuel surcharge waiver ₹49 (₹400-5,000 txns), lounge access ₹399 (1 visit per pack, max 2 visits per 90 days), Amazon Prime 3-month ₹299 (needs ₹10K/90d spend or ₹299 penalty), ZEE5 3-month ₹99 (needs ₹5K/90d spend or ₹50 penalty), Credit Shield ₹1.5L lost-card / fraud cover. **No rewards on:** fuel, rent, cash withdrawal, education, government, Quasi cash, BBPS. Utility & insurance earn only base 1 RP/₹100. Finance 3.49-3.75%/month (~42-45% p.a.). Cash advance 2.5% min ₹100, limit 20% of credit limit. Late fee tiered: ≤₹100 Nil → up to ₹1,300 over ₹50K outstanding. Eligibility: 21-60 yrs salaried / 25-65 yrs self-employed. App-driven feature management via AU 0101 app.
Excluded categories