AU Bank Xcite Credit Card
AU Small Finance Bank
Annual Fee
₹249
Joining Fee
₹249 + GST
Base Reward
3% points
Foreign Markup
3.49% of the total transaction amount
Fee Waiver
Annual Fee Waiver on Spends of ₹1 Lakh or More
Interest Rate
3.75% per month
Product Highlights
- Up to 15 Reward Points on every spend of ₹100.
- 2x Reward Points on retail spends between the 1st and 5th of every month.
- Free device protection plan and extended warranty.
- Up to 30% discount on dining.
Rewards
Earn 3 Reward Points on every ₹100 spent on retail purchases and 15 Reward Points on every ₹100 spent on groceries, departmental stores, movies, and dining.
Redemption
1 Reward Point = ₹0.25 against statement
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
dining | 15%(15 Reward Points on dining) | No cap |
grocery | 15%(15 Reward Points on groceries) | No cap |
shopping | 3%(3 Reward Points on retail purchases) | No cap |
Benefits & Features
Domestic: 2 complimentary railway lounge access every quarter, i.e., 8 per year. (Available in selected cities including New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, and Agra.) Full lounge access description not provided.
Fees & Charges
Eligibility
Min Age
21 years
Max Age
61 years
Available Networks
Pros & Cons
Pros
- Lifetime free card
- High reward rates on dining and groceries
- Complimentary railway lounge access
- Device protection plan included
Cons
- Annual fee applies after waiver conditions
- Limited lounge access
- No international lounge access
Additional Info
Maximum waiver per month is capped at ₹250.
Excluded Categories