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.
Table of Contents
Benefits and Features of AU Bank Xcite Credit Card
| Benefits and Features | AU Bank Xcite Credit Card |
|---|---|
| Welcome Benefits | N/A |
| Cashback/Rewards Points | Get 2 Reward Points on every retail spend of Rs. 100 and 15 Reward Points on dining, movies, departmental stores, and groceries. |
| Travel Benefits | Get free railway lounge access every year. |
| Dining Benefits | Get up to 30% discount on dining across over 300 partnered restaurants. |
| Domestic Lounge Access | Get 2 complimentary railway lounge access every quarter. |
| International Lounge Access | N/A |
| Movie Benefits | N/A |
| Insurance Benefits | Get complimentary device protection and 1-year extended warranty on selected electronic products. |
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.
Eligibility
- 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 & Charges | AU Bank Xcite Credit Card |
|---|---|
| Joining fee | Nil |
| Annual fee | Nil |
| Fee waiver | N/A |
| Fuel surcharge | 1% fuel surcharge waiver on all fuel purchases between Rs. 400 and Rs. 5,000 using this credit card. |
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.
