AU Xcite
AU Small Finance Bank
Last updated: Feb 03, 2026
₹0
₹0
1.99%
8 visits/yr
Contents
AU Xcite is a wallet-friendly, rewards-focused credit card offering solid earn rates on everyday spends with complimentary lounge or railway lounge benefits on certain variants. It targets frequent online and POS shoppers looking for lifetime-free or low-fee options. The card offers simplified rewards, device protection and travel benefits for regular users.
Features of AU Xcite which makes it unique
Simplified Rewards
Easy-to-understand points on common categories
User-friendly redemption
Simpler than many premium cards
Device Protection
Insurance cover for device purchase
Peace of mind for gadget buyers
Competitive in its segment
Rewards Structure of AU Xcite
Dining
acceleratedRestaurants and dining merchants
Higher earn rate on dining; variant dependent.
Online
acceleratedE-commerce and online merchant spends
Includes popular e-commerce platforms.
Base
baseAll other merchants
Standard earn rate on everyday spends.
Milestones of AU Xcite
Quarterly Milestone
₹20,000 : 2 free railway lounge visits (per quarter)
Annual Milestone
₹1,50,000 : Bonus points or partner voucher (variant dependent)
Fees & Charges of AU Xcite
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:No renewal fee (lifetime free variant); benefits subject to bank terms.
Fee Explanation Standard bank rates and T&Cs apply for overdue amounts and transactional charges.
Detailed Explanation of AU Xcite Fees
Annual Fee: 0 (yearly)
Lifetime free variant; check variant-specific terms for some offers.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per cash advance.
Lounge Access Benefits with AU Xcite
domestic Lounges
silverVisits per year: 8
Guest access: No
Access depends on variant and spend milestones.
Insurance Coverage with AU Xcite
Purchase protection
₹50,000Up to 90 days from purchase; variant dependent.
Travel insurance
₹5,00,000Available on select variants for international travel.
Additional Features of AU Xcite
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 free add-on cards
Welcome Bonus with AU Xcite
Welcome Bonus: 500 bonus points
Bonus Conditions: Valid for new customers only; points credited after meeting spend within 60 days.
Application Process for AU Xcite
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via AU Bank or partner portal
Upload KYC documents
Receive verification call
Card dispatched within 7 days
Required Documents for AU Xcite
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
AU Xcite Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally (Visa network)
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for AU Xcite
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must have a valid PAN and Aadhaar; subject to bank approval.
How Approval Is Decided
- Minimum income (salaried) ~₹25,000/month
- Indian resident
- Credit score above 700
Pros of AU Xcite
- Lifetime free or low-fee variants
- Good reward rates for dining and online spends
- Simple and easy redemption options
Cons of AU Xcite
- Premium travel perks vary across variants
- Partner benefits may require minimum transfers or bookings
Frequently Asked Questions about AU Xcite
Is the AU Xcite card lifetime free?
There is a lifetime-free variant of the AU Xcite card; confirm the variant at application time as features can differ.
How do I earn the welcome bonus?
Meet the stated spend threshold within 60 days of card issuance; bonus points are credited thereafter.
What is the minimum income required to apply?
Salaried applicants typically need a minimum monthly income of around ₹25,000; actual bank criteria apply.
Can I transfer reward points to airline partners?
Point transfers to airline/hotel partners depend on the variant and partner agreements; minimum transfer thresholds usually apply.
Which mobile wallets are supported?
Card supports Google Pay, Phone Pay, Paytm and Apple Pay via tokenisation and mobile wallet flows where supported.
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