What is the AU Bank Xcite Credit Card?

The AU Bank Xcite Credit Card is a lifetime free credit card offering decent rewards and benefits, designed as an upgrade for existing entry-level cardholders.

Are there any joining or renewal fees for the AU Bank Xcite Credit Card?

No, the AU Bank Xcite Credit Card is lifetime free, meaning there are no joining fees or annual renewal fees.

What are the main reward categories for the AU Bank Xcite Credit Card?

The AU Bank Xcite Credit Card offers up to 15 Reward Points on movies, dining, groceries, and departmental store spends.

Does the AU Bank Xcite Credit Card offer lounge access?

Yes, the AU Bank Xcite Credit Card provides 2 complimentary railway lounge accesses per quarter in selected Indian cities.

How can I redeem reward points earned with my AU Bank Xcite Credit Card?

Reward points from the AU Bank Xcite Credit Card can be redeemed via the AU Rewardz portal for products, gift vouchers, and travel bookings, with 1 RP equaling Re. 0.25.

What is the foreign currency markup on the AU Bank Xcite Credit Card?

The AU Bank Xcite Credit Card has a foreign currency markup of 3.49% on international transactions.

Is there a fuel surcharge waiver on the AU Bank Xcite Credit Card?

Yes, you get a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 250 per month, with the AU Bank Xcite Credit Card.

How does the AU Bank Xcite Credit Card cater to dining benefits?

The AU Bank Xcite Credit Card offers up to 30% discount on dining across over 300 partnered restaurants and 15 Reward Points on every Rs. 100 spent on dining.

Who is eligible for the AU Bank Xcite Credit Card?

Indian residents aged 21-60 with a good credit history, holding an existing credit card from another bank, are eligible for the AU Bank Xcite Credit Card.

AU Small Finance Bank

AU Bank Xcite Credit Card

Q: What kind of insurance benefits does the AU Bank Xcite Credit Card provide?

The AU Bank Xcite Credit Card includes a complimentary device protection plan for mobile phones and an extended warranty on selected electronics.

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Last updated: 16 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Lifetime free status with no joining fees.

Rewards Rate

Up to 15 Reward Points on every Rs. 100 spent on specific categories; 2 RP on general retail.

Reward Type

Reward Points

Reward Redemption

Reward Points can be redeemed via AU Rewardz portal for products, gift vouchers, and travel. 1 RP = Re. 0.25.

Domestic Lounge Access

2 complimentary railway lounge access every quarter in New Delhi, Kolkata, Jaipur, Ahmedabad, Agra.

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Complimentary device protection plan for mobile phones & 1-year extended warranty on selected electronics.

Movie

15 Reward Points on every Rs. 100 spent on movies.

Dining

Up to 30% discount at 300+ partnered restaurants & 15 Reward Points on every Rs. 100 spent.

Travel Benefits

2 complimentary railway lounge access every quarter (total 8 per year) in selected cities.

What matters, explained clearly

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Frequently Asked Questions

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