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AU SMALL FINANCE BANK LIMITED
AU Bank Xcite Credit Card
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Verified Catalog
Source: AU SMALL FINANCE BANK LIMITED Official
Updated: Sep 2026
Overview
Editorial snapshot & Positioning.
Entrylevel rewards card offering accelerated rewards on dining, entertainment, groceries, and department stores
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
15 RP/Rs. 100 (3% return) on dining, movies, grocery, departmental stores
Highlight 2
3 RP/Rs. 100 (0.6%) on online/offline spends
Highlight 3
1 RP/Rs. 100 (0.2%) on utility, insurance, education, govt. payments
Highlight 4
2X rewards from 1st5th of each month
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
Free
The front-loaded charge when you apply.
Annual fee
Free
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: Free100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"4/year"
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"8 complimentary domestic airport lounge accesses per year (2 per quarter); Complimentary flight ticket voucher worth ₹3,000 (with qualifying conditions)"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Income proof ₹6L+"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Premium card with excellent reward rate (3.3%) on all spends with no caps or category restrictions. The 1:1 reward redemption ratio, reduced forex markup (2%), and travel benefits like Priority Pass membership make it worth the high annual fee for frequent travelers and high spenders. Limited redemption options remain a drawback."
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Base Rate: Reward points on all transactions
- RP to Rupees: ₹0.30/pt
- Accelerated Rewards Program: 10 points for every ₹150 spent on dining, movies, departmental stores and grocery
- Travel (Hotels & Other): 8 complimentary domestic airport lounge accesses per year (2 per quarter)
Cons
- Welcome Offer: 12,500 reward points (worth ₹12,500) upon fee realization and card activation
- Domestic Airport: 4/year
- Complimentary flight ticket voucher worth ₹3,000 (with qualifying conditions)
- Movie/Entertainment: 1 PVR ticket/month
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