Explore loans designed for your needs, offering easy terms and the chance to improve your financial standing.

Personal Loan

Discover Credit cards & Enjoy a range of benefits, including credit-building opportunities, rewards, exclusive discounts, & Amazing Cashbacks.

Credit Cards

Discover the Savings accounts that provide a secure and accessible way to grow money through interest earnings, no Lock-in Period, Debit card & mobile Banking

Bank Accounts

Explore the best cashback credit cards that cater to your requirements.

Cashback Cards

Unlock the Best Rewards with Our High-Earning Credit Cards!

Reward Cards

Enjoy the Perks without the Fees: Discover Lifetime Free Credit Cards

No annual fee Cards 

Unlock the World: Experience the Perks of Travel Credit Cards

Travel Cards

Indulge in Retail Therapy with Shopping Credit Cards: Unleash the Shopaholic in You!

Shopping Cards

AU Bank Lifetime Free Credit Card 2025 & Offers for You to Apply

Apply Online for AU Bank Lifetime Free Credit Card, Get Complete Details Benefits, Features, Offers, Charges, Eligibility of Au Lifetime Free Credit Card

AU Bank Lifetime Free Credit Card 2025 - Features, Benefits & Offers

Lifetime Free

Rewards

Shopping

Cashback

Airport lounge

Travel

Dine-in

Movies

Fuel

Lifestyle

<h2 style="text-align:justify">AU Bank Lifetime Free Credit Card</h2>

<p style="text-align:justify"><strong>Unlock a World of Convenience with AU Bank&#39;s Lifetime Free Credit Card</strong></p>

<p style="text-align:justify">Welcome to the AU Bank Lifetime Free Credit Card, your passport to a world where convenience meets savings. Designed with the discerning customer in mind, the AU Bank Lifetime Free Credit Card offers many benefits without any annual fees. This card is not just a financial tool but a gateway to smarter ways to manage your expenses.</p>

<p style="text-align:justify">The AU Bank Lifetime Free Credit Card is about giving you the financial freedom you deserve. With no annual fees, you can spend smartly and save even smarter. This card adapts to your lifestyle, offering rewards that align with your spending habits and milestones that put you in control of your finances.</p>

<p style="text-align:justify">Whether shopping online, dining out, or fueling up, this being one of the best lifetime free credit cards offers unmatched discounts, cashback offers, and reward points that enrich your experiences. And with the trust and security of the AU Bank, you&#39;re not just carrying a card; you&#39;re carrying a legacy of banking excellence.</p>

<h2 style="text-align:justify">Benefits of AU Bank Lifetime Free Credit Card</h2>

<p style="text-align:justify">Embark on a rewarding journey with the AU Bank Lifetime Free Credit Card, where every transaction is an opportunity for savings and rewards. The bank has a tailored suite of features that cater to your evolving needs, ensuring that your financial tool meets and exceeds expectations. Here&#39;s what sets our card apart:</p>

<h3 style="text-align:justify">Welcome Benefit</h3>

<ul>
	<li style="text-align:justify">Customize your credit card to fit your unique financial needs using the <strong>AU0101 App</strong>.</li>
	<li style="text-align:justify">For INR 299 (30 days), get an extra 5% cashback on spending a minimum of INR 7,500, capped at INR 500 monthly.</li>
	<li style="text-align:justify">For INR 199 (30 days), avail 2% additional cashback on spending at least INR 10,000, up to a maximum of INR 100 per month.</li>
</ul>

<h3 style="text-align:justify">Dining Benefits</h3>

<ul>
	<li style="text-align:justify">Enjoy discounts of up to 30% at over 300 eligible dining establishments.</li>
</ul>

<h3 style="text-align:justify">Travel Benefit</h3>

<ul>
	<li style="text-align:justify">Avail a 1% fuel surcharge waiver on transactions between INR 400 and INR 5000.</li>
	<li style="text-align:justify">Monthly fuel surcharge waivers up to INR 200.</li>
	<li style="text-align:justify">Two complimentary domestic airport lounge access passes per quarter, totaling eight annually.</li>
	<li style="text-align:justify">Receive eight complimentary railway lounge access passes each year, with a cap of two per quarter.</li>
	<li style="text-align:justify">Lounge access valid in cities like Kolkata (Sealdah), New Delhi, Jaipur, Ahmedabad, Agra.</li>
	<li style="text-align:justify">Add-on cardholders are eligible for lounge visits allocated to the primary cardholder.</li>
</ul>

<h3 style="text-align:justify">Membership Benefit</h3>

<ul>
	<li style="text-align:justify">For INR 99 (90 days), secure a 3-month Zee5 subscription, subject to a minimum spend of INR 5,000.</li>
	<li style="text-align:justify">Spend INR 199 (90 days) for a 3-month Amazon Prime membership, with a minimum spend requirement of INR 10,000.</li>
	<li style="text-align:justify">Obtain a 3-month Cult.fit membership for INR 499 (90 days), with a minimum spend of INR 20,000.</li>
</ul>

<h3 style="text-align:justify">Milestone Benefit</h3>

<ul>
	<li style="text-align:justify">Earn 500 bonus Reward Points on spending INR 5,000 or more within the first five days of any month.</li>
	<li style="text-align:justify">Gain 5,000 bonus Reward Points for annual spending of INR 2.5 lakhs or more.</li>
</ul>

<h3 style="text-align:justify">Rewards And Discounts</h3>

<ul>
	<li style="text-align:justify">Accumulate 4 Reward Points for every INR 100 spent offline.</li>
	<li style="text-align:justify">Get 8 Reward Points per INR 100 for online transactions.</li>
	<li style="text-align:justify">Earn 12 Reward Points for every INR 100 in international purchases.</li>
	<li style="text-align:justify">Reward Points not applicable for rent payments, fuel transactions, or wallet reloads.</li>
	<li style="text-align:justify">Redeem Reward Points with a fee of INR 99, equivalent to INR 0.25 per point for gift vouchers or travel bookings.</li>
</ul>

<h3 style="text-align:justify">Shopping Benefits</h3>

<ul>
	<li style="text-align:justify">For INR 299 (90 days), get 5% cashback on categories like Grocery, Travel, Dining, Electronics, and Apparel, up to INR 1000 per month per category.</li>
</ul>

<h3 style="text-align:justify">Insurance Benefits</h3>

<ul>
	<li style="text-align:justify">Enjoy personal accident coverage up to INR 50 lakhs.</li>
	<li style="text-align:justify">Purchase protection up to INR 25,000.</li>
	<li style="text-align:justify">Credit shield cover reaching INR 2 lakhs.</li>
	<li style="text-align:justify">Comprehensive travel insurance covering flight delays, baggage issues, and passport loss.</li>
</ul>

<p><a href="https://www.banksathi.com/credit-cards/airport-lounge">Best Lounge Access Credit Card</a>&nbsp; |&nbsp; &nbsp; &nbsp;<a href="https://www.banksathi.com/credit-cards/rewards">Best Rewards Credit Card</a>&nbsp; &nbsp; &nbsp;|&nbsp; &nbsp; &nbsp;<a href="https://www.banksathi.com/credit-cards/cashback">Best Cashback Credit Card</a></p>

<h3 style="text-align:justify">Additional Benefits</h3>

<ul>
	<li style="text-align:justify">Utilise online transaction capabilities.</li>
	<li style="text-align:justify">Benefit from enhanced security for your transactions.</li>
	<li style="text-align:justify">Share privileges with family through add-on cards.</li>
	<li style="text-align:justify">Avail complimentary device protection for mobile phones.</li>
	<li style="text-align:justify">Get an extended one-year warranty on select purchases, including electronics and major appliances.</li>
	<li style="text-align:justify">Access convenient concierge services.</li>
</ul>

<h2 style="text-align:justify">3 Top AU Bank Lifetime Free Credit Card</h2>

<p style="text-align:justify">Explore the best AU Bank credit cards in India that are lifetime-free. With an array of benefits and features, these cards have redefined credit usage in the best possible manner. The top 3 that you should know about are listed down for you here.</p>

<h3 style="text-align:justify">AU Bank Xcite Ultra Credit Card</h3>

<p style="text-align:justify"><strong>Best Card for Savvy Spenders and Shoppers</strong></p>

<p style="text-align:justify">The <strong>AU Bank Xcite Ultra Credit Card</strong> is a lifetime free card offering a multitude of benefits for the discerning spender. It provides a lucrative reward system, offering up to 12 Reward Points per INR 100 spent, and additional points for reaching spending milestones. The card facilitates serene travel experiences with complimentary access to railway and airport lounges and includes a substantial travel insurance cover of up to INR 50 lakhs. This card stands out as one of the best in India, combining luxury, convenience, and financial wisdom in a single package, making it ideal for those who seek premium perks while <strong>maximising everyday spending</strong>.</p>

<h3 style="text-align:justify">AU Bank Xcite Credit Card</h3>

<p style="text-align:justify"><strong>Best Credit Card for Easy Use and Limitless Features.</strong></p>

<p style="text-align:justify">The AU Bank Xcite Credit Card, a lifetime free card, is a rewarding financial tool for everyday spending. Tailored for savvy shoppers, it offers up to 15 Reward Points per INR 100 spent, enhancing your spending habits with valuable rewards. This card includes complimentary railway lounge access and a device protection plan, positioning it as an essential financial companion. It&#39;s also part of AU Bank&#39;s innovative Swipe Up platform, simplifying the upgrade process for a better credit experience. Ideal for those aged 21 to 60 years and meeting the bank&#39;s income criteria, the Xcite Credit Card is a top choice for enhancing your spending with exciting benefits and rewards.</p>

<h3 style="text-align:justify">AU LIT Credit Card</h3>

<p style="text-align:justify"><strong>Best Credit Card for Customised Specific Benefits.</strong></p>

<p style="text-align:justify">The AU LIT Credit Card is a versatile, lifetime-free card designed to align with your lifestyle. It offers customizable benefits including welcome gifts and a 3-month OTT membership. With up to 10X rewards on spending, premium OTT and Cult.fit memberships, and various cashback options, it&#39;s ideal for diverse needs. Added security features ensure peace of mind. Suitable for individuals aged 21 to 60 years and meeting bank criteria, the <a href="https://www.aubank.in/personal-banking/credit-cards/lit-credit-card" target="_blank"><strong>AU LIT Credit Card</strong></a> is a comprehensive financial tool offering exclusivity and convenience, making it a top choice for those seeking a tailored credit card experience.</p>

<p style="text-align:justify">Each card has its features and benefits, so it&#39;s important to review the specific details and choose the one that aligns with your spending habits and lifestyle preferences.</p>

<p><a href="https://www.banksathi.com/personal-loan">Best Personal Loan In India&nbsp;</a> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; <a href="https://www.banksathi.com/calculators/personal-loan-calculator">Personal Loan EMI Calculator</a></p>

<h2 style="text-align:justify">Choosing the Perfect AU Bank Lifetime Free Credit Card</h2>

<p style="text-align:justify">To select the ideal AU Bank Lifetime Free Credit Card that complements your lifestyle, consider these guidelines:</p>

<ul>
	<li style="text-align:justify"><strong>Assess Your Spending: </strong>Identify the categories where you spend most frequently, such as dining, shopping, or travel. Opt for a card that maximises your benefits in these key areas.</li>
	<li style="text-align:justify"><strong>Zero Annual Fee Commitment: </strong>Choose a card that upholds a true lifetime free promise, ensuring no hidden fees or unexpected charges.</li>
	<li style="text-align:justify"><strong>Robust Reward Points System:</strong> Seek a card offering a lucrative reward points program with a transparent structure and straightforward redemption process.</li>
	<li style="text-align:justify"><strong>Worldwide Acceptance: </strong>Ensure your card is internationally recognised, allowing you to use it across the globe for a seamless spending experience, no matter where you are.</li>
	<li style="text-align:justify"><strong>Evaluate Additional Perks:</strong> Some cards have advantages like fuel surcharge waivers, comprehensive fraud protection, and extensive insurance coverage. Select a card where the perks align with your personal and financial priorities.</li>
</ul>

<p style="text-align:justify">With these tips in mind, the <strong>AU Bank Lifetime Free Credit Card</strong> can be a prudent choice for those seeking value and convenience in their financial transactions.</p>

<h2 style="text-align:justify">FAQs for AU Bank Lifetime Free Credit Card</h2>

<h3>1) What is a lifetime free credit card?</h3>

<p>A lifetime free credit card is a type of credit card that does not charge any annual or joining fees throughout the tenure of the card&#39;s usage.</p>

<h3>2) Are there any hidden charges in AU Bank lifetime free credit cards?</h3>

<p>No, AU Bank lifetime free credit cards do not have hidden charges. However, other standard charges like cash advance fees or foreign currency markup may apply.</p>

<h3>3) Can I earn reward points on all my purchases with these cards?</h3>

<p>Yes, you can earn reward points on almost all purchases, but the rate at which you earn points may vary depending on the card and the type of purchase.</p>

<h3>4) Is there any limit to the reward points that can be can earn?</h3>

<p>Some cards have a monthly or annual cap on the maximum reward points you can accumulate. Check the specific card&#39;s terms for details.</p>

<h3>5) Are the reward points redeemable for cash or gifts?</h3>

<p>Yes, you can redeem the reward points for cashback, gift vouchers, or other options, depending on the card&#39;s reward program.</p>

<h3>6) Is international usage allowed on these cards?</h3>

<p>Yes, these cards can be used internationally. However, a foreign currency markup fee is applicable.</p>

<h3>7) What to do if my card is lost or stolen?</h3>

<p>Immediately report the loss to AU Bank to ensure you are not liable for any fraudulent transactions made after reporting.</p>

<h3>8) What distinguishes the AU Bank Xcite Ultra, Xcite, and AU LIT Credit Cards?</h3>

<p>Xcite Ultra: Ideal for travelers, offering lounge access, high reward points, and travel insurance.</p>

<p>Xcite: Best for daily spending, providing high rewards on shopping and dining.</p>

<p>AU LIT: Customizable card offering versatile rewards and premium OTT memberships.</p>

<h3>9) Do these AU Bank cards offer lounge access?</h3>

<p>Xcite Ultra and AU LIT provide airport lounge access; Xcite offers railway lounge access.</p>

<h3>10) Are there any annual fees for these AU Bank credit cards?</h3>

<p>All three cards - Xcite Ultra, Xcite, and AU LIT - are lifetime free, with no annual fees.</p>

Excellent Credit Score

Good Credit Score

Fair Credit Score

Bad Credit History

No Credit History

HDFC Bank

State Bank Of India

Axis Bank

AU Small Finance Bank

IDFC First Bank

Kotak Mahindra Bank

IndusInd Bank

Bobcard

ICICI Bank

RBL Bank

Apply Online for AU LIT Credit Card - Get Maximum Benefits like Rewards, Lounge Access, Good Credit Limit, with Lifetime Fee and Good Rewards Value

AU Bank LIT Credit Card - LTF, Features, Offers & Benefits

If you are looking AU Bank Credit Card with Good Features, Benefits and No annual Fee with Railway Lounge, AU Xcite Credit Card is good Option

AU Bank Xcite Credit Card - Lifetime Free with Good Features

If You are looking for the AU Bank Credit Card with Good Features and lifetime Free, You have option to select AU Bank Xcite Ultra Credit Card

AU Bank Xcite Ultra Credit Card - Lifetime Free to Apply

HDFC Savings Account

AU Savings Account

Highest Interest Rate

Pensioners Account

Kotak Savings Account

Salary Account

Zero Balance Savings

IDFC Savings Account

Kids Savings Account

NRI Account

RBL Bank Account

Axis Savings Accounts

Women's Savings Account

IndusInd Bank Savings Account

YES Savings Account

SBI Travel

Best Credit Card for Priority Pass

Kotak Bank Rewards Credit Cards

Kotak Bank Cashback Credit Card

Kotak Bank Travel Credit Card

Standard Chartered Lifetime Free Credit Card

HDFC Cashback

HDFC Rewards

ICICI Shopping

ICICI Rewards Credit Card

ICICI Cashback Card

IndusInd Bank Rewards Credit Card

AU Bank Rewards Credit Card

Best SBI RuPay Credit Card

IndusInd Bank Lifetime Free Credit Card

HDFC Bank Lifetime Free

International Lounge

ICICI Lifetime Free Credit Card

Axis Shopping

AU Bank Cashback Credit Cards

EMI Payment

SBI Bank Rewards Credit Card

SBI Bank Shopping

Railway-Ticket-Booking

IDFC First Lifetime Free Credit Card

IDFC Bank Travel Credit Cards

Doctors Credit Cards

BOBCARD Lifetime Free Credit Card

Axis Bank RuPay Credit Card

BOBCARD Rewards Credit Card

Kotak Bank Shopping Credit Card

ICICI Bank Credit Card for Airport Lounge

HDFC Rupay Credit Card

Bajaj Finserv Credit Card

Secured Credit Card

Kotak Lifetime Free Credit Card

IndusInd Bank RuPay Credit Card

RBL Lifetime Free Credit Card

YES Bank Lifetime Free Credit Card

IDFC FIRST Bank RuPay Credit Card

IndusInd Bank Shopping Credit Card

Kotak Bank RuPay Credit Card

Online Shopping

HDFC BANK Shopping

HDFC Travel Card

ICICI Travel Card

Best Axis Bank Airport Lounge Credit Card

SBI Bank Lifetime Free

IndusInd Bank Travel Credit Card

AU Bank Shopping Credit Cards

Flight Ticket Booking

IDFC Bank Rewards Credit Cards

SBI Cashback Credit Cards

Axis Cashback

HDFC Bank Airport Lounge Credit Card

AU Bank RuPay Credit Card

AU Bank Travel Credit Cards

IDFC First Shopping Credit Card

Axis Bank Lifetime Free Credit Card

HSBC Lifetime Free Credit Card

YES Bank

Federal Bank

RBL Cashback Credit Card

Credit Card for Chartered Accountant

Yes Bank Credit Card for Airport Lounge

Vistara Points

Axis Travel

Best Business Credit Card

Standard Chartered

Utility Bill Payments

Best Credit Card for Students

Best Defence Credit Card

IDFC First Cashback Credit Cards

Rupay Credit Card

Axis Rewards

HSBC

IndusInd Bank Cashback Credit Card

Students Personal Loan

Pre-Approved Personal Loan

Instant Personal Loan

Digital Personal Loan

L&T Finance Personal Loan Interest Rate

Tata Capital Personal Loan Interest Rate

Kotak Mahindra Bank Personal Loan Interest Rate

Personal Loan below 15000 Salary

IndusInd Bank Personal Loan Interest Rate

Low CIBIL Personal Loan

ICICI Bank Personal Loan Interest Rate

Instant Personal Loan without CIBIL

Personal Loan without Income Proof

Aditya Birla Personal Loan Interest Rate

Bajaj Finance Personal Loan Interest Rate

How to Get Personal Loan

Personal Loan for Salaried

IDFC First Bank Personal Loan Interest Rate

Personal Loan Balance Transfer

Zero Processing Fee Personal Loan