AU Bank Xcite Credit Card

The AU Bank Xcite Credit Card is a credit card offered by AU Small Finance Bank. It provides customers with convenient payment options and a range of benefits.

The Xcite Credit Card allows you to make purchases without using cash. You can use it to pay for goods and services at various merchants, both online and offline.

AU Small Finance Bank recently introduced the Swipe Up platform, extending its enhanced credit card offerings beyond AU Bank customers to anyone with a credit card from other issuers. The platform currently features three credit cards: AU Bank Xcite Credit Card, Xcite Ace Credit Card, and Xcite Ultra Credit Card. While the Xcite Card is considered the most basic, it delivers commendable reward rates and benefits across various categories.

Earn up to 15 Reward Points for every Rs. 100 spent, making it a lucrative option. As a lifetime free card, it provides an affordable and rewarding upgrade for those seeking to enhance their entry-level cards. Beyond competitive reward rates, the AU Bank Xcite Credit Card includes complimentary railway lounge access, device protection plans, and a host of additional benefits.

The card may provide additional benefits such as cashback offers, discounts, or exclusive deals with partner merchants. Keep reading to know more in detail.

Benefits and Features of AU Bank Xcite Credit Card

Benefits and FeaturesAU Bank Xcite Credit Card
Welcome BenefitsN/A
Cashback/Rewards PointsGet 2 Reward Points on every retail spend of Rs. 100 and 15 Reward Points on dining, movies, departmental stores, and groceries.
Travel BenefitsGet free railway lounge access every year.
Dining BenefitsGet up to 30% discount on dining across over 300 partnered restaurants.
Domestic Lounge AccessGet 2 complimentary railway lounge access every quarter.
International Lounge AccessN/A
Movie BenefitsN/A
Insurance BenefitsGet complimentary device protection and 1-year extended warranty on selected electronic products.
*terms and conditions are applied for every credit card, kindly check the official website of AU Small Finance Bank

Railway Lounge Access

  • You get 2 complimentary railway lounge access every quarter, i.e. 8 per year.
  • The free lounge access can only be availed in selected cities, including New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, and Agra.

Free Device Protection Plan

  • The card comes with a complimentary device protection plan on mobile phones.
  • You also get a one-year extended warranty on mobile phones, laptops, tablets, and white goods purchases.


  • The age limit for primary cardholders should be between 21 years to 60 years
  • AU Small Finance bank check, location, occupation, income, etc.
  • Must have a good credit score

Document required

  • PAN card photocopy
  • Latest payslip / Form 16 / IT return copy as income proof
  • Color photographs
  • Residential proof 
  • Identity proof

Fees & Charges of AU Bank Xcite Credit Card

Fees & ChargesAU Bank Xcite Credit Card
Joining feeNil
Annual feeNil
Fee waiverN/A
Fuel surcharge1% fuel surcharge waiver on all fuel purchases between Rs. 400 and Rs. 5,000 using this credit card.
*terms and conditions are applied for every credit card offer, kindly check the official website of AU Small Finance Bank

How to Apply for AU Bank Xcite Credit Card

You can apply online or offline for this AU Small Finance Bank Credit Card.

Online – Visit AU Small Finance Bank’s official website and apply for this credit card.

Offline – You can visit the nearest AU Small Finance Bank branch with all the necessary documents.

cardpreview refer footer banner

Leave a Reply

Your email address will not be published. Required fields are marked *