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Credit Cards · India

AU Bank Xcite Credit Card

Updated 5 Jul 2026Source-linked

The AU Bank Xcite Credit Card is a entry credit card from AU Small Finance Bank, with a joining fee of ₹249 + GST.

It earns up to 15 pts per ₹100 (≈3.3% value) on select categories spends in the form of reward points (points).

Cardholders get 8 annual domestic airport lounge access.

AU Small Finance Bank logo
AU Bank Xcite Credit Card
Visa logo
  • Joining Fee₹249
  • Annual Fee₹249
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • 15 pts per ₹100 on select categories (cap 25000 points / statement)
  • Base 0.44% on other spends
Welcome Benefits
  • Not applicable
Data verified 5 Jul 2026 — see our methodology
AU Small Finance Bank logoAUVisa logoplatinumentry
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Rewards and Benefits

Rewards Rate
15 pts per ₹100 on select categories (cap 25000 points / statement)
Base 0.44% on other spends.
Reward Redemption
AU Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
8 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Online shopping₹495/mo

    You spend ₹15,000 · earns 3.3% = ₹495 uncapped

    • Capped at ₹5,500/mo
    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Groceries₹8,000 · 0.4% = ₹35/mo
  • Dining & food delivery₹8,000 · 0.4% = ₹35/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.4% = ₹44/mo
  • Utilities & bills₹5,000 · 0.4% = ₹22/mo
Est.net rewards for this spend, realistic
₹7,577/yr

₹7,577 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.49%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹150 per monthly.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)

Product Details

  • entry card issued by AU Small Finance Bank.
  • Joining / annual fee of ₹249 + GST, waived on annual spends of ₹1,00,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (8/annual).

Pros & Cons

Pros
  • Annual fee waivable on ₹1,00,000 spend.
  • Complimentary domestic airport lounge access (8/annual).
  • Accelerated earn worth ≈3.3% on select categories.
Cons
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 15 pts per ₹100 on select categories (cap 25000 points / statement)
    Up to 15X Reward Points on select categories; 2X Reward Points per ₹100 on other retail spends (base). AU applies an overall 25,000 RP/statement-cycle cap to Xcite (Card Member Agreement §22.5, 16-May-2026); modelled here as the accelerated-tier ceiling since it bounds all RP earning in a cycle.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Airport lounge access

Domestic
8 visit(s) / annual. Via visa.
8 complimentary lounge visits per annum (incl. Railway Lounge access).

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹150 per monthly.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
720+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹3,00,000 p.a.
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