AU Bank Xcite Credit Card

  • Joining Fee: Nil
  • Renewal Fee: Nil
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: NA
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AU Small Finance Bank recently launched the Swipe Up platform to offer upgraded credit cards not only to AU Bank customers but to every individual holding a credit card from any other card issuer. The bank currently offers three credit cards on SwipeUp: AU Bank Xcite Credit Card, Xcite Ace Credit Card, and Xcite Ultra Credit Card. Out of these three, the Xcite Card is the most basic one. However, it offers decent reward rates and benefits across different categories. You can earn up to 15 Reward Points on every Rs. 100 you spend, which is not a bad deal. Being a lifetime free card, it is affordable and rewarding for everyone who wants to update their entry-level cards. Apart from the reward rates, you get free railway lounge access, device protection plans, and many more benefits with the AU Bank Xcite Credit Card. To know more about this card and its features. keep reading:

New Features

Spend Based Waiver


Interest Rates

3.49% per month, i.e. 41.88% annually

Add-on Card Fee


Rewards Redemption Fee


Fuel Surcharge

1% fuel surcharge waiver on all fuel purchases between Rs. 400 and Rs. 5,000.

Foreign Currency Markup

3.49% of the total transaction amount

Cash Advance Charges

2.5% of the withdrawn amount subject to a minimum of Rs. 100

Movie & Dining

Get up to 30% discount on dining across over 300 partnered restaurants.


Get free railway lounge access every year.

International Lounge Access


Rewards Rate

2 Reward Points on every retail spend of Rs. 100 and 15 Reward Points on dining, movies, departmental stores, and groceries.



Insurance Benefits

Get complimentary device protection and 1-year extended warranty on selected electronic products

Reward Redemption

Redeem your earned Reward Points against a number of options available on the AU Rewardz portal.

Domestic Lounge Access

2 complimentary railway lounge access every quarter

Zero Liability Protection

Get zero liability protection against lost/stolen cards if the loss is reported to the bank in a timely manner.


No data available


No data available

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