Best Customizable & Everyday Lifetime Free Credit Cards in India 2026 | AU LIT vs IndusInd Platinum
Trendivation · Updated June 2026 · Lifetime Free Cards
Best Customizable & Everyday Lifetime Free Credit Cards in India 2026
AU LIT vs IndusInd Platinum — flexibility, partner offers, eligibility, and who each card actually fits.
AU LIT · Build Your Own Benefits
IndusInd Platinum · Simple Everyday Card
₹0 Annual Fee
Lifetime FREE
Most credit cards lock you into a fixed set of benefits — whether or not those benefits match how you actually spend. The AU LIT Credit Card breaks that mould entirely: it lets you activate and deactivate specific benefits every 90 days, paying only for what you use.
On the other end, the IndusInd Platinum Credit Card is one of the easiest entry-level lifetime free cards in India — no salary barrier of ₹25,000+, lower credit score threshold, and even available to new-to-credit applicants with an existing loan.
In this guide we break down both cards in full detail — customization options, partner discounts, fees, eligibility, and who each card is actually built for.
📋 Quick Comparison
| Feature | AU LIT Credit Card | IndusInd Platinum Credit Card |
|---|---|---|
| Joining / Annual Fee | ₹0 (Lifetime Free) | ₹0 (Lifetime Free) |
| Key USP | Customizable benefits every 90 days | Simple rewards + easy eligibility |
| Reward Rate | Up to 10X with paid add-ons | 1.5 RP per ₹150 spent |
| Lounge Access | 1–2 domestic visits/qtr (paid add-on) | Not available |
| Fuel Surcharge Waiver | 1% (₹49 add-on / 90 days) | 1% at all pumps (included free) |
| Min. Income (Salaried) | ₹25,000/month | ₹20,000/month |
| Credit Score Required | 750+ | 650+ |
| New to Credit | Not allowed | Allowed (with Home/Auto Loan) |
| Travel Insurance | Not mentioned | ICICI Lombard Travel Insurance |
AU LIT Credit Card
🆕 Most Flexible Lifetime Free Card
₹0
Annual Fee
10X
Max Reward Points
750+
Credit Score
₹25K
Min Monthly Income
What Makes AU LIT Unique?
- ✓Lifetime FREE card — zero joining fees, zero annual fees ever
- ✓Activate only the benefits you need for 90 days — pay only for those
- ✓Switch benefit bundles every quarter based on your spending plan
- ✓Ideal if you have a travel trip planned, festive shopping, or a gym phase
- ✓1% fuel surcharge waiver available as an add-on (₹49 / 90 days)
- ✓Complimentary OTT memberships, lounge visits, and cashback add-ons available
🎁 Partner Discount Offers
5%
Croma
Instant discount on min spend ₹15,000. Once/month.
15%
EasyDiner
Min spend ₹2,500 · Max discount ₹500. Once/month.
15%
Tata CliQ
Min spend ₹500 · Max discount ₹300. Once/month.
15%
Cleartrip Domestic Flights
Also 10% off international flights. Once/month.
20%
Movie Tickets
Min spend ₹500 · Max discount ₹100. Once/month.
⚙ Customizable Add-On Benefits (Per 90 Days)
| Price | Benefit |
|---|---|
| ₹49 | 1% fuel surcharge waiver on fuel transactions |
| ₹99 | Complimentary 3-month Zee5 membership |
| ₹199 each |
1 complimentary domestic airport lounge visit/quarter 2% additional cashback on milestone spends Complimentary 3-month Amazon Prime membership 5X Reward Points on online & offline spends |
| ₹299 each |
2 complimentary domestic airport lounge visits/quarter 5% additional cashback on milestone spends 10X Reward Points on online & offline spends 5% cashback on Dining, Grocery, Travel, Electronics, Apparel |
| ₹499 | Complimentary 3-month Cult.fit membership |
ⓘ You can combine multiple add-ons simultaneously. Planning a trip? Activate lounge + travel cashback for 90 days, then switch to grocery cashback next quarter.
✅ Eligibility Criteria
Age
21 – 60 years
Salaried Income
₹25,000/month
Self Employed ITR
> ₹6 Lakhs/yr
Credit Score
750+
New to Credit
Not Allowed
Employment
Salaried or Self-Employed
⚠ Must hold an existing credit card from another bank. New-to-credit applicants are not eligible.
📄 Documents Required
- ✓Valid PAN Card
- ✓Aadhaar Card (for eKYC)
- ✓Address Proof
- ✓Income Proof (if opting for income surrogate)
👉 How to Apply
- ✓Click the Apply button below — you will be redirected to AU Bank's official website
- ✓Click “Login / Join Now” and complete OTP verification
- ✓The system will show cards you are eligible for — select AU LIT and fill in your details
🏆 Trendivation Verdict — AU LIT
Best for: People with an active financial life who want to adapt their card benefits every quarter — whether that is a travel phase, festive shopping, or a fitness kick.
Skip if: Your credit score is below 750 or you are new to credit. IndusInd Platinum is a better starting point.
Watch out for: The base card earns very basic rewards. Real value comes only when you activate paid add-ons — plan your 90-day cycle for maximum ROI.
Lifetime Free. Build your own benefits. Start with ₹0 joining fee.
Apply for AU LIT Credit Card →IndusInd Platinum Credit Card
🌟 Best Entry-Level Everyday Lifetime Free Card
₹0
Annual Fee
1.5 RP
Per ₹150 Spent
650+
Credit Score
₹20K
Min Monthly Income
Key Features
- ✓Lifetime FREE card — zero joining fee, zero annual fee, forever
- ✓Earn 1.5 Reward Points per ₹150 spent (1 RP = ₹0.65 value)
- ✓1% fuel surcharge waiver at all petrol pumps across India — included free
- ✓ICICI Lombard Travel Insurance under Platinum Travel Plus plan
- ✓Total Protect feature — covers unauthorized transactions up to your credit limit if reported within 48 hours
- ✓Counterfeit fraud protection also covered
- ✓Redeem reward points as Miles on partner airlines including Air Vistara, Cash Credit, or Payment with Rewards
- ✓New-to-credit applicants allowed (with existing Home Loan or Auto Loan)
🛒 Partner Discount Offers
10%
boAt Products
Flat 10% off sitewide on boAt
10%
BigBasket
Instant discount up to ₹250 on min purchase ₹2,000
₹100 Off
PVR F&B
On Food & Beverage orders above ₹350
15%
Lifestyle
Additional 15% off on orders above ₹1,999
✅ Eligibility Criteria
Age
21 – 65 years
Salaried Income
₹20,000/month
Self Employed
₹30,000/month
Credit Score
650+
New to Credit
Allowed*
Employment
Salaried or Self-Employed
* New-to-credit applicants need an existing Home Loan or Auto Loan. Good to have: existing credit card limit above ₹50,000 with any bank.
📄 Documents Required
- ✓ID Proof
- ✓Address Proof
- ✓Income Proof
- ✓PAN Card / Form 60
👉 How to Apply
- ✓Click the Apply button below — you will be redirected to IndusInd Bank's official website
- ✓Complete the verification process
- ✓IndusInd Bank will show the card you are eligible for — select it and proceed
🏆 Trendivation Verdict — IndusInd Platinum
Best for: First-time credit card applicants with an existing home or auto loan, people with a credit score between 650–749, or anyone who wants a simple no-fuss lifetime free card with solid everyday discounts.
Hidden strengths: The Total Protect insurance and complimentary ICICI Lombard Travel Insurance make this card unusually well-rounded for a zero-fee entry-level card.
Skip if: You want advanced features like lounge access, high cashback, or flexible benefits — AU LIT is the better pick in that case.
Lifetime Free. ₹0 forever. Easy eligibility. Apply in minutes.
Apply for IndusInd Platinum Credit Card →🤔 Which Card Should You Pick?
Choose based on your situation:
I want to customize my benefits every 3 months
Go with AU LIT. Activate lounge access for a travel quarter, switch to grocery cashback for festive season. This is the whole point of LIT.
I am new to credit or my score is between 650–749
Go with IndusInd Platinum. Lower score requirement, new-to-credit allowed (with existing loan), much easier approval.
I want a card I never have to think about
Go with IndusInd Platinum. Flat rewards, free fuel waiver, travel insurance — just use it daily without managing add-ons.
I travel once or twice a year and want lounge access sometimes
Go with AU LIT. Activate the ₹299 lounge add-on only for those 90 days. Pay ₹299 and get 2 domestic lounge visits — far cheaper than buying separately.
I want to hold both cards
That works too. Use IndusInd Platinum as your daily driver and AU LIT as your seasonal benefits card. Both are lifetime free — no cost to holding both.
❓ Frequently Asked Questions
Is AU LIT Credit Card truly free? What are the hidden charges?
The base AU LIT card has zero joining fee and zero annual fee — it is genuinely lifetime free. Charges apply only when you activate optional benefit add-ons (ranging from ₹49 to ₹499 per 90 days). These are never forced on you. If you only want a no-cost card, simply do not activate any add-ons.
Can I change the AU LIT benefits mid-quarter?
Add-ons are activated for a fixed 90-day cycle and cannot be changed mid-cycle. You can switch or deactivate them at the start of each new quarter. Plan your add-ons based on what you know you will spend on in the next 3 months.
What is the value of 1 Reward Point on IndusInd Platinum?
1 Reward Point on IndusInd Platinum equals ₹0.65. You earn 1.5 Reward Points per ₹150 spent, giving a reward rate of roughly 0.65% — modest but consistent for an everyday free card.
Can I apply for IndusInd Platinum if I have never had a credit card before?
Yes, new-to-credit applicants are allowed, but only if you have an existing Home Loan or Auto Loan as a credit track record. If you have no credit history and no loans, you may not be eligible right away.
Is the Total Protect feature on IndusInd Platinum automatic?
Total Protect covers unauthorized transactions due to loss or theft, provided you report it within 48 hours of the fraud. It also covers counterfeit fraud. Always call IndusInd Bank immediately if your card is lost or stolen.
Which card gives better value if I want OTT subscriptions?
AU LIT wins clearly. You can activate a complimentary 3-month Zee5 membership (₹99) or a 3-month Amazon Prime membership (₹199) as optional add-ons. IndusInd Platinum does not offer OTT benefits.
Can I hold both AU LIT and IndusInd Platinum at the same time?
Yes. Both are lifetime free cards so there is no annual cost to holding both. Many cardholders use one as a primary card and the other as a seasonal or category-specific card. Banks will evaluate your overall credit profile before approving a second card.
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⚠ Affiliate Disclosure: This post contains affiliate links. If you apply for a card through our links, Trendivation may earn a referral commission at no extra cost to you. All card information, benefits, and eligibility details are researched independently and presented as accurately as possible. We do not favour any card based on commission rates. Credit card terms and offers may change — always verify the latest details on the respective bank's official website before applying. Read our full Affiliate Disclosure Policy →
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