Fees
Annual feeNil (Lifetime Free)
Joining feeNil (Lifetime Free)
Renewal feeNil (Lifetime Free)
Fee waiverN/A - Lifetime Free
Interest rate3.75% per month (45.0% per annum (p.a.))
Late payment15% of Total Amount Due (Min INR 10, Max INR 1,300)
Forex markup3.49%
Eligibility
Min income (salaried)INR 20,000 - INR 35,000 per month
Income requirementSalaried: INR 15,000/month (indicative)
Credit score700
Age range21-60
Rewards & cashback
Accelerated rateChoose feature packs: 5% cashback on Travel/Dining/Grocery; 10 RPs/INR 100 online; 5 RPs/INR 100 offline; Up to 10,000 RPs/statement cycle
Welcome bonusINR 300 Amazon Pay/Swiggy/Zomato voucher on first txn of INR 300 (Visa); 3 months free ZEE5, Amazon Prime & Cult.fit membership
Travel & lounge
Domestic lounge4 airport lounge visits/quarter (via feature pack activation)
International loungeFeature-pack based (if international lounge feature selected)
Lounge conditions4 railway lounge visits/quarter (feature pack)
ConciergeFeature packs switchable every 90 days - choose from Travel, Dining, Grocery, OTT, Entertainment etc.
Lifestyle
Dining benefitsDining cashback up to 5% (if feature pack active)
Fuel surchargeFuel surcharge waiver NOT applicable on LIT base card
E-commerce offersN/A (Own card)
AdditionalIndia's first customizable credit card - activate/deactivate features every 90 days
Credit limit & EMI
Default limitINR 100000
Max limitINR 500000
EMI optionsXpress Loan: 2% processing fee; tenures 6-36 months; pre-closure 3%
EMI conversionYes
Balance transferYes
Insurance & protection
Purchase protectionYes — zero liability on unauthorised transactions; purchase protection on eligible spends
Lost card liabilityYes — zero liability on fraud reported within 7 days of card loss or theft
Coverage detailsCard counterfeit/skimming & online fraud protection
Digital & security
ContactlessYes
Virtual cardYes — virtual RuPay credit card available via AU 0101 app
App featuresAU 0101 App - feature management, track spends
Card controlsBlock/Unblock Card; Enable/Disable International Transactions; Enable/Disable Online Transactions; Set Transaction Limits; Card on/off toggle; EMI conversion; Virtual Card generation
Fraud protectionReal-time SMS and email transaction alerts; AI-based risk monitoring; OTP-based online authentication; Tokenisation (RBI mandated); 24x7 fraud monitoring
Zero liabilityZero liability if fraud reported within 7 days; limited liability between 4-7 days per RBI guidelines
WhatsApp supportYes — WhatsApp Banking available