AU Small Finance Bank
AU Bank Xcite Credit Card
Data last verified: 11 October 2026
- Joining fee₹249 + GST
- Annual fee₹249 + GST
- Reward rate0.75% base, up to 3.75% on dining
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹249 + GST
- Annual fee₹249 + GST
- Fee waiverOn ₹1 lakh spend a year
- Forex markup3.49%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹100 a month
01AU Bank Xcite Credit Card Rewards and Benefits
02AU Bank Xcite Credit Card Annual Fee and Charges
- Joining fee
- ₹249 + GST
- Annual fee
- ₹249 + GST
- Spend-based waiver
- Annual fee waived on ₹1 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.49%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹100 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 3.75%₹188
- ₹15,000 on everything else, earning 0.75%₹113
- Back each month, ₹3,612 a year₹301
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹3,612
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Dining: 3.75% back
- Groceries: 3.75% back
- Spending ₹8,333 or more a month: the ₹294 fee is waived
- Flyers: some airport lounge visits a year
Skip it if…
- you spend less than ₹8,333 a month (₹1,00,000 a year, rent and wallet loads not counted): the ₹294 fee is then charged
- most of your spending is fuel, rent, education or government payments: those earn nothing on this card
- you rarely spend on dining or groceries: the 3.75% rate applies only there, everything else earns 0.75%
- you often pay in foreign currency: 3.49% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04How AU Bank Xcite Credit Card earns Rewards
0.75% base, up to 3.75% on dining.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 0.75% | No cap | The card's normal rate |
| Online shopping | 0.75% | No cap | The card's normal rate |
| Dining and food delivery | 3.75% | No cap | All merchants in the categoryTerms: 15 reward points per ₹100 on dining and movies (1 point ≈ ₹0.25, so ≈3.75%) |
| Groceries | 3.75% | No cap | All merchants in the categoryTerms: 15 reward points per ₹100 on grocery and departmental stores |
| Travel: flights, hotels, trains | 0.75% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.25% | No cap | All merchants in the categoryTerms: 1 reward point per ₹100 on utility and telecom spends, capped at 100 reward points per transaction |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.25% | No cap | All merchants in the categoryTerms: 1 reward point per ₹100 on insurance spends |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | 0.75% | No cap | The card's normal rate |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.75% | No cap | The card's normal rate |
| Everything else | 0.75% | No cap | The card's normal rate |
Terms on the base rate. 3 reward points per ₹100 on other retail spends, online and offline; 2X base points on retail spends made from the 1st to the 5th of each month (applies to base points only)
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05AU Bank Xcite Credit Card Travel Benefits
Railway lounges: 8 visits a year. 2 complimentary railway lounge visits each quarter (8 a year) across major stations. Spending abroad carries a 3.49% forex markup; rewards on it: 0.75% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, insurance cover, airport lounge access.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹100 per statement cycle since 1 October 2026 (₹200 before, per AU's KFS and MITC)
- Insurance cover: Complimentary device-protection plan for mobiles, tablets, laptops and select electronics
06AU Bank Xcite Credit Card Eligibility and Documents
- Age
- 21 to 65 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / address proof
07Recent Changes
What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Oct 2026 | Reduced: Fuel surcharge waiver cap cut from ₹200 to ₹100 a monthSource: AU Small Finance Bank | 1% waiver, capped at ₹200 per statement month | 1% waiver, capped at ₹100 per statement month |
| 1 Jul 2026 | Reduced: Fuel fair-usage terms tightened, trigger halved, levy on the whole aggregateSource: AU Small Finance Bank | 1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 | 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000 |
| 14 Jun 2026 | Reduced: New 1% fair-usage charge on transportation spendsSource: AU Small Finance Bank | No transportation fair-usage charge | 1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower |
| 10 Apr 2026 | Reduced: Transportation-category spends stop earning rewardsSource: AU Small Finance Bank | - | - |
| 3 Dec 2025 | Reduced: Lifetime-free positioning ends, ₹249 annual fee introducedSource: AU Small Finance Bank | Lifetime free | ₹249 + GST joining and annual, waived on ₹1,00,000 annual retail spends |
See this card's change history → · All card changes in October 2026 →
08Cards Similar to AU Bank Xcite Credit Card
AU Bank Xcite Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | AU Bank Xcite Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹249 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹249 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.75% base, up to 3.75% on dining | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.49% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your AU Bank Xcite Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
What is the joining fee for the AU Bank Xcite Credit Card?
The joining fee is ₹249 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the AU Bank Xcite Credit Card?
The annual fee is ₹249 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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