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LIT Credit Card by AU Small Finance Bank Review

Discover the power of Credit Card LIT by AU Small Finance Bank to improve your credit score. Earn cash back in various categories and enhance your chances of accessing credit.

Credit Card LIT
Source: Credit Card LIT

Imagine a credit card that adapts to your lifestyle, offering flexibility like never before. Enter the LIT Credit Card by AU Small Finance Bank, a game-changer in the world of financial products. Designed for the dynamic spender, this card brings a unique blend of customizable features, rewards, and benefits that align with your changing needs and spending patterns.

Credit Card LIT
LIT: India’s first customizable credit card

Everyday Benefits

Customization at Your Fingertips

The LIT Credit Card stands out with its unparalleled customization options. Whether you’re a frequent traveler, an online shopping enthusiast, or a foodie who loves dining out, this card lets you choose the benefits that matter most to you. Adjust your card’s features as your lifestyle evolves, ensuring that you always get the best value for your expenditures.

Rewards That Grow with You

Alongside customization, the LIT Credit Card rewards you for every spend. Accumulate points on your purchases, which can be redeemed for a wide range of exciting rewards. This card not only compliments your spending habits but also makes every transaction more rewarding.

Special Advantages and Benefits

Tailored Lifestyle Benefits

Personalized to Your Preferences: The LIT Credit Card elevates your lifestyle by offering benefits tailored to your interests. Whether you enjoy traveling, fine dining, or entertainment, this card has something for you. To take advantage of these benefits, first identify your primary spending categories or lifestyle preferences. Then, customize your card to focus on these areas. For instance, if you’re a travel enthusiast, opt for travel-related benefits like lounge access or travel insurance. This customization ensures that the card aligns perfectly with your lifestyle.

No Pre-set Spending Limit

Embracing Financial Freedom: One of the unique aspects of the LIT Credit Card is its lack of a pre-set spending limit. This feature provides cardholders with a degree of financial flexibility rarely seen in other credit cards. To benefit from this feature, maintain a good credit history and spending pattern. Responsible usage of this feature can be particularly advantageous for making large purchases or handling unexpected expenses without the worry of hitting a spending cap.

Exclusive Discounts and Offers

Unlocking a World of Savings: The LIT Credit Card grants access to exclusive discounts and offers across a diverse range of merchants and platforms. These can range from online shopping discounts to special deals at restaurants and entertainment venues. To make the most of these offers, regularly check the bank’s offers page or sign up for notifications.

Easy Fee Structure

Transparency in Finances: This credit card comes with a straightforward and transparent fee structure, making it easier for cardholders to understand and manage their expenses. Avoiding hidden costs is key to smart financial management. To leverage this benefit, review the fee structure in detail and understand how different transactions impact your costs.

Qualification Requirements

Credit Card LIT
Source: Credit Card LIT

To be eligible for the LIT Credit Card, applicants typically need to meet certain criteria like a good credit score, stable income, and specific age requirements. It’s advisable to check the latest eligibility criteria on the AU Small Finance Bank website or by contacting their customer service.

How to Apply for the LIT Credit Card

Applying for the LIT Credit Card by AU Small Finance Bank is a straightforward process that can be completed in a few simple steps. Here’s a detailed guide to help you through the application process:

  1. Eligibility Check: Before you begin, ensure you meet the eligibility criteria for the LIT Credit Card. Typically, these include age, income, credit score, and other financial qualifications. It’s advisable to review the latest eligibility requirements on the AU Small Finance Bank website or by contacting their customer support.
  2. Gather Required Documents: Collect all necessary documents, which usually include proof of identity (like Aadhaar card or PAN card), proof of address (such as utility bills or passport), and proof of income (like salary slips or tax returns).
  3. Online Application: Visit the AU Small Finance Bank website and navigate to the credit card section. Find the LIT Credit Card and click on the ‘Apply Now’ button. Fill in the online application form with accurate personal and financial details.
  4. Document Submission: Upload or submit the required documents as directed on the website. Ensure all documents are clear and legible to avoid delays in the application process.
  5. Application Review: Once submitted, the bank will review your application. This process involves verifying your documents and conducting a credit check to assess your creditworthiness.
  6. Approval Notification: If your application meets all criteria, the bank will approve your credit card application. You will receive a notification regarding the approval through email or SMS.
  7. Card Dispatch: After approval, the credit card will be dispatched to your registered mailing address. The delivery time may vary depending on your location.
  8. Card Activation: Upon receiving your LIT Credit Card, follow the instructions provided with the card for activation. This usually involves an OTP verification or a phone call to the bank’s customer service.

FAQs (Frequently Asked Questions)

What makes the LIT Credit Card unique?

Its unparalleled customization options and flexible reward system.

Are there any annual fees?

Refer to the bank’s latest fee structure for accurate information.

How can I redeem my reward points?

Points can be redeemed through the bank’s rewards portal.

Is there a limit on reward point earnings?

Yes! You can earn cashback of INR 1,000 in each 30 days period.

Credit Card LIT
LIT: India’s first customizable credit card

Formado em direito Especialista em economia, investimento e finanças pessoal. Seu foco é mudar a vida financeira das pessoas.