AU Bank Xcite Credit Card

The AU Bank Xcite Ultra Credit Card is a premium, lifestyle-focused credit card from AU Small Finance Bank offered under its SwipeUp platform. It combines accelerated reward points with travel perks like complimentary lounge access, insurance coverage, dining discounts and more, tailored for everyday and travel spenders. The card also offers milestone and monthly bonus reward points, making it appealing for regular spenders who want value without excessive fees

AU Bank Xcite Credit Card

Joining Fees	₹ 0 + GST
Annual Fees	₹ 749 + GST
Card Type	Rewards
Network Type	Visa

Rewards & Benifits

Earn additional 500 Reward Points on retail spends of ₹5,000 done between 1st–5th of every calendar month
4 Reward Points per ₹100 on offline spends
8 Reward Points per ₹100 on online spends
12 Reward Points per ₹100 on international spends
1 Reward Point per ₹100 on Utility, Telecom & Insurance spends
Milestone benefit: 5,000 Reward Points on spends of ₹2.5 Lacs in a card anniversary year
Up to 8 complimentary domestic lounge access per year (max 2 per quarter) — based on minimum quarterly spend
Up to 8 complimentary railway lounge access per year (max 2 per quarter)
Up to 30% dining discount via Silver Spoon Dining Program
Comprehensive protection cover including air accident, purchase protection and travel covers
Complimentary device protection plan + 1-year extended warranty
Dedicated global concierge services
Xpress EMI conversion for eligible transactions

Fees & Charges

Annual Card Membership Fee: ₹ 749 + applicable taxes
Annual Fee waiver: ₹ 2,00,000 retail spends in previous card anniversary year
No joining fees
Add-on cards free for lifetime
Fuel surcharge waiver: 1% on transactions between ₹400–₹5,000 (max ₹ 200 per statement cycle)
Not specified: Cash advance fee / forex or other charges (not clearly listed on page)

Card Details

Accelerated reward points on offline, online and international spends
Monthly and annual milestone reward bonuses
Domestic airport and railway complimentary lounge access
Insurance covers: air accident, card liability, credit shield, purchase protection, travel (baggage/flight/passport delay)
Silver Spoon dining discounts at select restaurants
Complimentary device protection + extended warranty
Global concierge for travel & lifestyle services
Contactless payment capability
Xpress EMI conversions
Free add-on cards

Pros & Cons

Strong accelerated reward points structure
Monthly & milestone bonus points add extra value
Complimentary lounge access (airport + railway)
Comprehensive insurance and protection covers
Dining discounts via Silver Spoon program
Complimentary device protection + extended warranty
Global concierge services
Add-on cards are free for lifetime

Annual fee applies (₹749 + GST) with spend condition for waiver
Not all spends eligible for rewards (e.g., cash, rent, etc.)
Detailed fees (cash advance, forex) not clearly listed on main page
Lounge access requires minimum quarterly spend

ELIGIBILITY CRITERIA
• Primary cardholder: Salaried 21–60 years; Self-employed 25–65 years.
• Add-on cardholders must be over 18 years.
• Resident Indian status required.
• Other eligibility conditions subject to bank approval.

WELCOME BENEFIT
• Earn additional 500 Reward Points on retail spends of ₹5,000 between the 1st–5th of every calendar.

CARD REVIEW
The AU Bank Xcite Ultra Credit Card is a compelling choice for frequent spenders who want strong reward point earnings across offline, online and international spends. Its monthly bonus reward points and milestone bonus add significant value, while complimentary access to both domestic airport and railway lounges enhances the travel experience. Dining discounts, comprehensive insurance benefits, device protection, and concierge services further bolster its appeal. However, the annual fee (₹749 + GST) and spend requirement for waiver may deter light spenders. Basic fee details like cash advance and forex charges aren’t clearly outlined on the main page, which could limit complete upfront clarity for prospective users

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

AU Bank Xcite Credit Card