AU Small Finance Bank
AU Bank Xcite Credit Card
Annual Fee
₹294₹249 + GSTBase Reward
3% points
Foreign Markup
3.49% of the total transaction amount
Product Highlights
- Up to 15 Reward Points on every spend of ₹100.
- 2x Reward Points on retail spends between the 1st and 5th of every month.
- Free device protection plan and extended warranty.
- Up to 30% discount on dining.
Category Rewards
dining
15X RP on dining, movies, grocery, departmental
15X
entertainment
15X RP on dining, movies, grocery, departmental
15X
grocery
15X RP on dining, movies, grocery, departmental
15X
Specialty
15X RP on dining, movies, grocery, departmental
15X
utilities
1 RP utility/insurance/telecom
0.25X
Specialty
1 RP utility/insurance/telecom
0.25X
Specialty
1 RP utility/insurance/telecom
0.25X
Fee Waiver
Annual Fee Waiver on Spends of ₹1 Lakh or More
Reward Calculator
Earns ₹2,046/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
9.4K
AU Reward Points
₹2.3K
via standard · ₹0.25/pt
Effective rate
1.22%
Annual fee
₹294
Year 1 net
+₹2,046
Year 2+ net
+₹2,046
ongoing
Adjust your spend by reward bucket
3 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
cash, rent, education, government, emi, fuel, bbps, quasi cash, transportation
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 3 Reward Points on every ₹100 spent on retail purchases and 15 Reward Points on every ₹100 spent on groceries, departmental stores, movies, and dining.
- 1 Reward Point = ₹0.25 against statement
Benefits & Features
Domestic: 2 complimentary railway lounge access every quarter, i.e., 8 per year. (Available in selected cities including New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, and Agra.) Full lounge access description not provided.
Pros & Cons
Pros
- Lifetime free card
- High reward rates on dining and groceries
- Complimentary railway lounge access
- Device protection plan included
Cons
- Annual fee applies after waiver conditions
- Limited lounge access
- No international lounge access
Additional Info
Maximum waiver per month is capped at ₹250.
Excluded Categories
Ready to apply?
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Fees & Charges
Eligibility
Min Age
21 yrs
Networks
Fee Waiver
Annual Fee Waiver on Spends of ₹1 Lakh or More