India's First Customisable Credit Card
How AU Small Finance Bank partnered with Hyperface to redefine the credit card experience by giving customers the flexibility to personalise benefits around their lifestyle
446K+ Cards Issued
18+ Benefit Combinations
Zero Core Platform Changes
Switch On/Off Benefits Anytime
One Card Shouldn't Mean Fixed Benefits.
Traditional credit cards are built around fixed categories and predefined benefits.
AU Small Finance Bank envisioned a new-age credit card that puts customers in control of their card benefits, rewards and experiences.
Hyperface provided the technology foundation to bring that vision to market.
Designed around Customers
With the AU LIT Card, customers can personalise benefits across travel, shopping, cashback, dining, fuel and memberships and switch them as their lifestyle evolves.
Fuel Surcharge Waiver
1% waiver on Fuel transactions between ₹400 and ₹5000
Memberships
3 month subscription of Zee5, Prime, Cult.Fit
Cashback
2-5% cashback on Shopping, Dining, Grocery, Travel, Electronics, Apparel
Airport Lounge Access
1 Visit / 2 Visits
Accelerated Rewards
5X / 10X Rewards on Online / Offline Shopping
Diya
Business Professional
Frequently travels to meet clients
Active Benefits
Smart Benefits Engine
Analyzes spending behavior, lifestyle signals and preferences to deliver the most relevant benefits—personalized for every cardholder.
Karan
Student
Pursuing engineering, lives in a dorm
Active Benefits
AU LIT Credit Card democratizes premium benefits.
Traditional
- Fixed benefits that remain unchanged throughout the card lifecycle.
- Low-cost cards provide limited and category-specific offers. Super premium cards offer very attractive offers but come at a very high annual fee.
Customizable
- Cardholders can activate or discontinue benefits in 3-month durations
- Zero Annual Fee card. Benefits are offered at sachet-like prices that encourage experimentation.
Built for Flexibility at Scale
The AU LIT experience runs on Hyperface's Smart Benefits Engine, that enables configurable benefits, real-time decisioning and personalised customer experiences without requiring banks to rebuild their core card infrastructure.
Behind every benefit choice is a configurable rules engine that validates eligibility and applies business logic.
Simple. Intuitive. Fully Customer Controlled.
Customers can personalise, activate and manage their card benefits through an intuitive digital experience.
Customer Journey
Tap to select features
Cardholder's Feature Management Interface
Cardholder has the flexibility to discontinue feature renewal, or activate a new feature in a few clicks
Payments ecosystem is ever changing in last few years, and it is becoming more convenient and customised year on year, Credit Cards being in forefront of payment ecosystem but hardly offer any customisation and personalisation so far. AU Bank identified the opportunity to customise credit cards and make it more customer centric through tech and payment stack. Hyperface is playing a pivotal role here in making credit cards stack more customer centric embedded with exceptional experience to customers.
