AU Bank Xcite Credit Card
AU Small Finance Bank AU Small Finance Bank

AU Bank Xcite Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/fuel.svg Fuel
/assest/image/icons/rewards.svg Reward Points
MyBankingTips Rating

Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Fuel Fuel
Reward Points Reward Points
MyBankingTips Rating

Joining Fee: ₹0* + Tax

Renewal Fee: ₹0* + Tax

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About AU Bank Xcite Credit Card

The AU Small Finance Bank SwipeUp platform allows anyone with a credit card from any issuer—not just AU Bank customers—to upgrade to better credit cards. Under SwipeUp, the bank offers three options: AU Bank Xcite Credit Card, Xcite Ace Credit Card, and Xcite Ultra Credit Card. The Xcite Card is the most basic, yet it provides solid rewards and benefits. You can earn up to 15 Reward Points per ₹100 spent, making it a good value for everyday use. As a lifetime free card, it’s a budget-friendly choice for those looking to upgrade from entry-level cards. Additional perks include free railway lounge access, device protection plans, and more, making it both affordable and rewarding.

The AU Bank Xcite Credit Card is an excellent choice for anyone looking to upgrade from a basic or entry-level credit card with minimal cost. It offers higher credit limits, better reward rates, and a range of added benefits compared to standard cards. With its attractive rewards and lifetime free status, it stands out as one of the best entry-level credit cards in India.

AU Bank Xcite Credit Card Rewards Program

With the AU Bank Xcite Credit Card, you earn rewards on your spending as follows:

  • 2 Reward Points for every ₹100 spent on retail purchases.
  • 15 Reward Points for every ₹100 spent on groceries, departmental stores, movies, and dining.
  • Double Reward Points on all retail spends from the 1st to 5th of each month.
  • Exclusions: Fuel and wallet transactions do not earn rewards.

Reward Redemption:
You can redeem your Reward Points on the AU Rewardz portal for products, gift vouchers, and travel bookings. Each Reward Point is worth ₹0.25.

Other Features and Benefits

Railway Lounge Access

  • Enjoy 2 complimentary railway lounge visits per quarter (8 per year).
  • Available in select cities: New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, and Agra.

Free Device Protection Plan

  • Complimentary device protection for mobile phones.
  • 1-year extended warranty on mobile phones, laptops, tablets, and white goods.

Fuel Surcharge Waiver

  • 1% waiver on fuel purchases of ₹400–₹5,000.
  • Maximum waiver of ₹250 per month.

Fees and Charges

  • The Xcite Credit Card is lifetime free with no joining or annual fees.
  • Interest Rate: 3.49% per month (41.88% per year).
  • Foreign Currency Markup Fee: 3.49% on all international transactions.
  • Cash Advance Fee: 2.5% of the withdrawn amount or ₹100, whichever is higher.

Things to Know Before you apply

Get this card if:

  • You want to upgrade from a basic or entry-level credit card.
  • You are looking for better credit limits and higher reward rates.
  • You want a lifetime free card with no joining or annual fees.
  • You want rewards on groceries, dining, movies, and retail spends along with lounge access and device protection.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For AU Bank Xcite Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

AU Bank Xcite Credit Card Hilights

What do we like about this card?

  • Lifetime free, entry-level upgrade card.
  • Up to 15 Reward Points per ₹100 on groceries, dining, movies, and departmental stores.
  • Double points on retail spends from 1st–5th each month.
  • Complimentary railway lounge access – 8 visits per year.
  • Device protection plan and 1-year extended warranty on electronics.
  • 1% fuel surcharge waiver on ₹400–₹5,000 fuel transactions.
  • Interest rate: 3.49% per month; cash advance fee: 2.5% or ₹100 (whichever is higher).

Pros

  • Lifetime free with no joining or annual fee.
  • Earn up to 15 Reward Points per ₹100 spent in key categories.
  • 2× Reward Points on retail spends from 1st–5th of each month.
  • Complimentary railway lounge access (8 per year) in select cities.

Cons

  • Cashback/rewards capped for some spends.
  • No airport lounge access.
  • Limited premium lifestyle or travel benefits compared to Xcite Ace/Ultra.
  • Foreign currency markup fee applies for international transactions.

Au Bank Credit Card Contact Details

  • Contact Address: AU Small Finance Bank Ltd., Head Office: 5th Floor, Metro Plaza, New Sanganer Road, Mansarovar,  Jaipur – 302020, Rajasthan, India
  • Helpline:1800 1200 1500 (Toll-Free, 24x7), creditcard.support@aubank.in
  • Simply SMS: SMS ZENITH to 5676766 to get a callback or apply

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