AU Bank Xcite Credit Card
AU Bank Xcite Credit Card
15 RP/Rs. 100 (3% return) on dining, movies, grocery, departmental stores
3 RP/Rs. 100 (0.6%) on online/offline spends
1 RP/Rs. 100 (0.2%) on utility, insurance, education, govt. payments
Personalized Match by CredHunt • credhunt.com
Entrylevel rewards card offering accelerated rewards on dining, entertainment, groceries, and department stores
Joining Fee
₹0
Annual Fee
₹0
Rating
5.0/5.0(0 reviews)
Key Features
15 RP/Rs. 100 (3% return) on dining, movies, grocery, departmental stores
3 RP/Rs. 100 (0.6%) on online/offline spends
1 RP/Rs. 100 (0.2%) on utility, insurance, education, govt. payments
2X rewards from 1st5th of each month
Complimentary railway lounge access
Each RP worth 20 paise
Rewards Program
Base Rewards
Reward Type
N/A
Base Reward Rate
Reward points on all transactions
Point Value
₹0.30/pt
Points Expiry
N/A
Bonus Rewards
Welcome Offer
12,500 reward points (worth ₹12,500) upon fee realization and card activation
Accelerated Rewards
10 points for every ₹150 spent on dining, movies, departmental stores and grocery
Card Benefits
Travel Benefits
4/year
8 complimentary domestic airport lounge accesses per year (2 per quarter); Complimentary flight ticket voucher worth ₹3,000 (with qualifying conditions)
Dining & Entertainment
Up to 20% discount at more than 2,000 select restaurants via Swiggy Dineout
1 PVR ticket/month
Lifestyle & Protection
Travel partnerships
Basic insurance coverage
N/A
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | N/A |
| Late Payment Fee | N/A |
| Fuel Surcharge | Not eligible for cashback |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Waived on spend of ₹1,20,000 per year
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Income proof ₹6L+
Expert Opinion
Premium card with excellent reward rate (3.3%) on all spends with no caps or category restrictions. The 1:1 reward redemption ratio, reduced forex markup (2%), and travel benefits like Priority Pass membership make it worth the high annual fee for frequent travelers and high spenders. Limited redemption options remain a drawback.
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Experience the premium benefits of the AU Bank Xcite Credit Card today.