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First Card / Entry·AU Small Finance Bank
Lifetime-free AU card — toggle lounge, cashback, and memberships as add-on features.
Age 21–60 · From ₹20,000/mo income · Unsecured
Key Benefits
All 10 benefits →Base earn
1–2 RP/₹150
Before paid feature multipliers
Optional milestone cashback
2–5%
Paid 90-day feature; spend gates apply
Optional lounge
1 visit/90 days
Paid feature; max 2 visits/period
Lounge
Optional paid feature — ty…
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: AU LIT product guide / T&Cs
Low income threshold, easy approval
Source: AU LIT product guide / T&Cs
Base earn
Before paid feature multipliers
1–2 RP/₹150
Optional milestone cashback
Paid 90-day feature; spend gates apply
2–5%
Example: ₹10,000/mo spend → ≈ ₹500/mo
Optional lounge
Paid feature; max 2 visits/period
1 visit/90 days
Lounge access
Optional paid feature — typically 1 complimentary airport lounge visit per 90 days
Spend criteria: No minimum spend required for lounge access
See worked examples of how points convert to cash value
online shopping — 2 pts per ₹150 spend
You spend
₹10,000
You earn
133 pts
Worth ≈
₹33.33
@ ₹0.25/point
all — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹16.67
@ ₹0.25/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations.
Annual fee Free · Forex 3.5% on international transactions — tap for full fees
Joining fee
Lifetime free card
₹0
Annual / renewal fee
No renewal fee ever
₹0
Forex markup
3.5% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–60 years · ₹20,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹640/year. After the ₹0 annual fee, net value is approximately ₹220/year. Use the calculator above to model your own spends.
₹20,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent.
Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
