AU Xcite Credit Card
Card Details
Card Details
- Issuer
- AU Small Finance Bank
- Card type
- Entry-level
- Joining fee
- ₹249 + GST
- Annual fee
- ₹249 + GST
- Rewards currency
- Reward Points
Highlights
Highlights
- 15 RPs/₹100 on groceries, departmental stores, movies & dining
- 3 RPs/₹100 on retail
- Railway lounge access: 2/quarter
- Annual fee waiver on ₹1 Lakh spend
Welcome, annual & renewal benefits
Welcome, annual & renewal benefits
- Joining/Annual Fee: ₹249 + GST.
- Annual fee waiver on spends of ₹1 Lakh or more.
Reward earning
Reward earning
| Spend type | Earn rate |
|---|---|
| Groceries, Departmental stores, Movies, Dining | 15 Reward Points / ₹100 |
| Other retail purchases | 3 Reward Points / ₹100 |
| Retail spends between 1st–5th of the month | 2X Reward Points |
- Reward redemption fee: ₹99 + GST.
- Forex markup: 3.49%.
Additional Benefits
Additional Benefits
- Railway lounge: 2 complimentary visits per quarter (8/year) at select stations.
- Fuel surcharge waiver: 1% on ₹400–₹5,000 (cap ₹250/month).
Review
Review
Xcite is a good entry level credit card from AU Bank. Decent reward rate with minimal charges. Go fo this card.