AU Bank Xcite Credit Card

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The AU Bank Xcite Credit Card is a great option for those looking to upgrade their basic credit card. It is lifetime free with no joining or renewal fees. You can earn up to 15 Reward Points per ₹100 spent on dining, movies, groceries, and department stores, and 2 points per ₹100 on other retail purchases. Extra perks include two free railway lounge visits per quarter, device protection, and extended warranty on electronics. However, it does not offer rewards on fuel and wallet transactions and has higher foreign currency fees.

AU Small Finance Bank’s Swipe Up platform allows anyone with a credit card to upgrade, not just AU Bank customers. It offers three cards: Xcite, Xcite Ace, and Xcite Ultra. Xcite is the most basic but still provides good rewards and benefits. If you want more premium features, you can check out the Xcite Ace and Xcite Ultra Cards.

Credit Card Detail
AU Bank Xcite Credit Card
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
Apply Now
Rewards Rate
Earn 2 Reward Points per ₹100 on retail spending and 15 Reward Points on dining, movies, groceries, and department stores.
Reward Redemption
Use your Reward Points for various options on the AU Rewardz portal.
Movie & Dining
Get up to 30% off on dining at 300+ partner restaurants.
Travel
Enjoy free railway lounge access every year.
Golf
N/A
Domestic Lounge Access
Get 2 free railway lounge visits every quarter.
International Lounge Access
N/A
Insurance Benefits
Get free device protection and a 1-year extended warranty on select electronics.
Interest Rates
3.49% interest per month (41.88% per year).
Spend-Based Waiver
N/A
Rewards Redemption Fee
Nil
Cash Advance Charges
A fee of 2.5% of the withdrawn amount, with a minimum charge of ₹100.
Foreign Currency Markup
3.49% +GST
Fuel Surcharge
Get a 1% fuel surcharge waiver on fuel purchases between ₹400 and ₹5,000.
Card Details
  • Lifetime Free Credit Card: No annual fees for life.
  • Free Railway Lounge Access: Enjoy free access to railway lounges every year.
  • Earn up to 15 Reward Points: Get 15 points for every ₹100 you spend.
  • Double Reward Points: Earn double points on retail purchases made from the 1st to the 5th of each month.
  • Up to 30% Discount on Dining: Save up to 30% at participating restaurants.
  • Free Device Protection & Extended Warranty: Get protection for your devices and a 1-year extended warranty on selected electronics.
  • 1% Fuel Surcharge Waiver: Get a 1% waiver on fuel surcharge for purchases between ₹400 and ₹5,000.
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Frequently Asked Questions

What is the maximum age allowed to apply for this credit card?

You can apply for the Xcite Credit Card if you are 61 years old or younger.

How do the device protection and extended warranty benefits work with the AU Xcite Card?

With the AU Xcite Card, you get free protection for mobile phones against accidental damage, plus an extra year of warranty on electronic items beyond the original manufacturer's warranty.

Is the AU Bank Xcite Credit Card free for life?

Yes, the Xcite Credit Card from AU Bank comes with no annual fees, making it free for life.

Can I upgrade any other bank’s credit card to the AU Xcite Credit Card?

Yes, you can switch any credit card from any bank to the Xcite Credit Card through the SwipeUp platform.

Are there any conditions on the fuel surcharge waiver with the Xcite Credit Card?

Yes, the AU Xcite Card gives you a 1% waiver on fuel surcharges for transactions between ₹400 and ₹5,000, up to a maximum of ₹200 per month.

What fees apply for EMI conversions on the AU Bank Xcite Credit Card?

For EMI conversions on the AU Bank Xcite Credit Card, the Xpress EMI option charges 1% of the EMI amount, with a minimum fee of ₹99 plus GST. The Instant EMI option has a processing fee of ₹199 plus GST per transaction, whether made in-store or online.

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