AU LIT

EntryLifetime free

AU Small Finance Bank

Where it ranks · across all 71 cards

#4 Groceries5.0%direct#19 Online shopping2.5%direct#20 Food delivery2.5%direct

Reward rules

Points valued at ₹0.25/pt - conservative, what rankings use

Base rate - everything not covered below

1 pt / ₹100= 1 pts per ₹100

0.25%

conservative value

10X feature (₹299/90 days): all online AND offline spends

10 pts / ₹100= 10 pts per ₹100

2.50%

conservative value

10,000 RP/month is the PROGRAM-WIDE LIT earn cap (all earning), not a 10X-only cap

Build-your-own card: each feature costs ₹49-₹399 per 90 days. Max 10,000 RP accrual per statement cycle.

Source: AU LIT product guide PDF (au.bank.in) · 2026-08-20

5% cashback on grocery (paid feature, ₹299/90 days)

cashback

5.00%

effective

₹500 cashback per 30-day feature cycle

Apparel version ₹199/90 days, same ₹1,000/30-day cap. Milestone cashback features (5% capped ₹500 on ₹7.5K+, 2% capped ₹1,000 on ₹10K+) sold separately.

Source: AU LIT product guide PDF (au.bank.in) · 2026-08-20

Earns nothing on

⊘ Fuel (incl EV charging 5552) earns nothing; the surcharge waiver itself is a paid LIT feature (₹49/90 days).5172 5541 5542 5552 5983bank MCC list→ use MakeMyTrip ICICI here (1.0%)
⊘ Rent earns nothing.6513bank MCC list→ use Axis Burgundy Private here (4.5%)
⊘ Education earns nothing.8211 8220 8241 8244 8249 8299bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
⊘ Government transactions earn nothing.9211 9222 9223 9311 9399 9402 9405 9950bank MCC list→ use PVR INOX Kotak here (3.0%)
⊘ Cash and quasi-cash earn nothing.6010 6011 6050bank MCC list→ use SC Ultimate here (3.3%)
⊘ Utility & telecom earn base 1 RP/₹100 only, max 100 RP/txn; insurance (6300/5960) also 1 RP. Base earn capped 10,000 RP/cycle.4812 4814 4899 4900bank MCC list→ use SBI Cashback Card here (5.0%)
⊘ EMI and BBPS transactions earn nothing.