AU Bank Xcite Credit Card
Updated 3 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 Bank Xcite Credit Card
- Joining Fee₹249
- Annual Fee₹249
- Best Suited ForEveryday spends
- Reward TypeReward Points (points)
Rewards Rate
- 15 pts per ₹100 on select categories
- Base 0.44% on other spends
Welcome Benefits
- Not applicable
AUplatinumentryRewards and Benefits
Rewards Rate
15 pts per ₹100 on select categories
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
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.
Accelerated rewards
- 15 pts per ₹100 on select categoriesUp to 15X Reward Points on select categories; 2X Reward Points per ₹100 on other retail spends (base).
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
- : www.au.bank.in · retrieved 3 Jul 2026
Last verified 3 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.