AU Bank Xcite Credit Card is a lifetime free credit card offering up to 15 Reward Points per ₹100 on dining, movies, groceries, and departmental stores. Enjoy complimentary railway lounge access, free device protection, extended warranty, and 1% fuel surcharge waiver. Perfect for first-time users and value seekers who want rewarding everyday spending with zero annual
AU Bank Xcite Credit Card Features and Benefits
| Category | Details |
|---|---|
| Card Type | Lifetime Free Credit Card |
| Joining Fee | Nil |
| Annual Fee | Nil (Lifetime Free) |
| Best Suited For | Shopping, Dining, Movies, and Everyday Spends |
| Reward Structure | 15 Reward Points per ₹100 on dining, movies, groceries, and departmental store spends; 2 Reward Points per ₹100 on all other retail spends; 2x Reward Points on spends made between 1st–5th of every month |
| Monthly Bonus | 500 bonus Reward Points on spending ₹5,000 between 1st–5th of any month |
| Reward Redemption | Redeem via AU Rewardz portal for vouchers, travel, and recharges (1 RP = ₹0.20–₹0.25) |
| Railway Lounge Access | 2 complimentary visits per quarter (8 visits per year) at select railway lounges in India |
| Device Protection Plan | Complimentary device protection on eligible purchases and 1-year extended warranty on electronics |
| Dining Benefits | Up to 30% discount at 300+ partner restaurants |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400–₹5,000 (max ₹150–₹250 per month) |
| Foreign Currency Markup | 3.49% on international transactions |
| Interest Rate | 3.49% per month (41.88% annually) |
| Cash Advance Fee | 2.5% of transaction amount (minimum ₹100–₹500) |
| Late Payment Fee | ₹150–₹1,000 depending on amount due |
| Add-On Card Fee | Nil — no additional charges |
| Contactless Payments | Enabled for secure tap-and-pay transactions |
| EMI Facility | Flexible EMI conversion for large purchases |
| Global Acceptance | Accepted worldwide at Visa/RuPay merchants |
| Security Features | Chip-based card with fraud detection and zero liability on loss if reported promptly |
The AU Bank Xcite Credit Card is ideal for beginners and value-conscious users who want strong rewards, lifestyle perks, and travel benefits without annual fees.
AU Bank Xcite Credit Card Fees and Charges with colorful emphasis on key points:
| Fee / Charge Type | Details |
|---|---|
| Joining Fee | ₹0 (No joining fee; Lifetime Free Card) |
| Annual Fee / Renewal Fee | ₹0 (No annual or renewal fees) |
| Interest Rate | 3.49% per month (41.88% per annum) |
| Foreign Currency Markup | 3.49% on the total transaction amount |
| Cash Advance Fee | 2.5% of the withdrawn amount (minimum ₹100) |
| Fuel Surcharge Waiver | 1% waiver on fuel spends between ₹400 and ₹5,000 |
| Fuel Surcharge Cap | Maximum ₹150–₹250 waiver per statement cycle |
| Late Payment Fee | ₹150 to ₹1,000 depending on overdue amount |
| Add-On Card Fee | Nil (No additional charges for add-on cards) |
This fee structure makes the AU Bank Xcite Credit Card highly cost-effective, especially for users looking for a lifetime free credit card with rewarding features and minimal charges.
Documentation and eligibility
Here is the detailed information on Documentation and Eligibility for the AU Bank Xcite Credit Card:
Eligibility Criteria Best cashback credit card
- Applicant age must be between 21 and 60 years.
- Add-on card applicant must be at least 18 years old.
- Must be an Indian resident.
- Preferably, applicants should have a good credit score (700+ is ideal) for better approval chances.
- Both salaried and self-employed individuals can apply.
- No referral or special invitation required.
Required Documentation
- PAN Card (Mandatory for identity proof).
- Aadhaar Card (serves as ID and address proof).
- Recent salary slips (usually last 2 months).
- Last 3 months bank statements.
- Passport-sized photograph (digital upload during application).
Application Process
- Apply online via AU Bank’s website or SwipeUp platform.
- Provide PAN, Aadhaar linked mobile number, employment, and income details.
- Complete digital KYC, often via video verification.
- Offline applications can be made at AU Bank branches with required documents.
- Approval typically takes 1-2 working days, with the physical card delivered within about 6 days after approval.
This streamlined eligibility and documentation process ensures easy access to the AU Bank Xcite Credit Card while maintaining due diligence for creditworthiness.
AU Bank Xcite Credit Card FAQs
1. Is the AU Bank Xcite Credit Card lifetime free?
Yes, there is no joining fee or annual fee; AU Bank Xcite is a lifetime free credit card.
2. What rewards do I earn with the AU Bank Xcite Credit Card?
You get up to 15 Reward Points per ₹100 on dining, movies, groceries, and departmental stores; 2 RP per ₹100 on other spends. Bonus RP for spends between the 1st–5th every month.
3. How do I redeem reward points?
Reward Points can be redeemed on the AU Rewardz portal for vouchers, merchandise, and travel bookings. Value is about ₹0.20 to ₹0.25 per RP.
4. Is there complimentary lounge access?
Yes, you get 2 complimentary railway lounge visits per quarter at select locations. Airport lounge access is not included.
5. Do I get device protection?
Yes, the card includes complimentary mobile device protection and a 1-year extended warranty on select electronics.
6. Are there add-on cards?
You can get up to 3 add-on cards with no additional fee.
7. What is the interest rate and currency markup?
Interest is 3.49% per month; foreign currency markup is 3.49% on international transactions.
8. Can I apply with my existing credit card?
Yes, existing card holders from any bank can upgrade using AU Bank’s SwipeUp platform or apply directly online/offline.
9. What is the fuel surcharge waiver?
A 1% fuel surcharge waiver on spends between ₹400 and ₹5,000, capped at ₹150–₹250 per month.
10. Who is eligible and what documents are needed?
Indian residents aged 21–60, with a good credit score. Required documents: PAN card, Aadhaar card, income proof, and recent bank statements.
These FAQs cover the most important aspects for new and existing customers of the AU Bank Xcite Credit Card.