AU Small Finance Bank · Entry · lifetime free
AU LIT
Where it ranks across all 187 cards
#10 Groceries
5.0%
direct
#25 Other
2.0%
direct
#33 Electronics
2.0%
direct
#41 Online shopping
2.0%
direct
#42 Fashion
2.0%
direct
#44 Food delivery
2.0%
direct
#61 Wallet load
0.2%
direct
#87 Insurance
0.2%
direct
#128 Jewellery & watches
0.2%
direct
#130 Gaming
0.2%
direct
#142 Mobile / broadband
0.2%
direct
#155 Train tickets
0.2%
direct
#161 Cabs & transit
0.2%
direct
#168 Flights
0.2%
direct
#168 Hotels
0.2%
direct
#169 Health & pharmacy
0.2%
direct
#171 Dining out
0.2%
direct
#174 Movies & events
0.2%
direct
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Points valued at ₹0.2/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
0.20%base rate
1 pt / ₹100
source
Source: AU LIT product guide PDF (au.bank.in) - au.bank.in - read 20 Aug 2026
10X feature (₹299/90 days): all online AND offline spends
2.00%this rule
10 pts / ₹100
how it works & source
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) - au.bank.in - read 20 Aug 2026
5% cashback on grocery (paid feature, ₹299/90 days)
5.00%this rule
5% cashback
how it works & source
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) - au.bank.in - read 20 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on7 exclusions
Fuel
earns nothing
Fuel (incl EV charging 5552) earns nothing; the surcharge waiver itself is a paid LIT feature (₹49/90 days).
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5552, 5983
Source: AU LIT T&C page (au.bank.in, updated 15 Jan 2025) - au.bank.in - read 22 Aug 2026
Rent
earns nothing
Rent earns nothing.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: AU LIT T&C page (au.bank.in, updated 15 Jan 2025) - au.bank.in - read 22 Aug 2026
Education
earns nothing
Education earns nothing.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8211, 8220, 8241, 8244, 8249, 8299
Source: AU LIT T&C page (au.bank.in, updated 15 Jan 2025) - au.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government transactions earn nothing.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
categories: Government / tax · MCCs: 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950
Source: AU LIT T&C page (au.bank.in, updated 15 Jan 2025) - au.bank.in - read 22 Aug 2026
Manual cash disbursement, Automated cash disbursement (ATM) +1 more
earns nothing
Cash and quasi-cash earn nothing.
→ use SC Ultimate here (3.3%)
detail & source
MCCs: 6010, 6011, 6050
Source: AU LIT T&C page (au.bank.in, updated 15 Jan 2025) - au.bank.in - read 22 Aug 2026
Utility bills
earns nothing
Utility & telecom earn base 1 RP/₹100 only, max 100 RP/txn; insurance (6300/5960) also 1 RP.
→ use FIRST Private here (6.6%)
detail & source
Base earn capped 10,000 RP/cycle.
categories: Utility bills · MCCs: 4812, 4814, 4899, 4900
Source: AU LIT T&C page (au.bank.in, updated 15 Jan 2025) - au.bank.in - read 22 Aug 2026
EMI
earns nothing
EMI and BBPS transactions earn nothing.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: AU LIT T&C page (au.bank.in, updated 15 Jan 2025) - au.bank.in - read 22 Aug 2026