Au Bank Xcite Credit Card

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.

Check your Au Bank Xcite Credit Card eligibility

Grab an Au Bank Xcite Credit Card with just a click and get exciting rewards and offers

Note: It will not affect your score

Au Bank Xcite Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 0 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

reward and benefits +

Movie & Dining

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

Reward Redemption

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

Rewards Rate

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

Travel

Get free railway lounge access every year.

Domestic Lounge Access

2 complimentary railway lounge access every quarter

free & charges +

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2.5% of the withdrawn amount subject to a minimum of Rs. 100

Interest Rates

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

product details +

  • Lifetime Free Credit Card.
  • Up to 15 Reward Points on every spend of Rs. 100.
  • 2x Reward Points on retail spends between the 1st and 5th of every month.
  • Complimentary railway lounge access every year.
  • Free device protection plan and extended warranty.
  • Up to 30% discount on dining.
  • 1% fuel surcharge waiver.

pros / cons +