AU Bank Xcite Credit Card

AU Bank has launched three Xcite credit card AU Xcite, AU Xcite Ace, AU Xcite Ultra. We can apply for this credit card on C2C basis with an existing credit card and you will get upgraded version of card with better features and benefits, enhanced credit limit, lifetime free and much more. The card comes with decent reward and benefits, you will get 2 Railway lounge access per quarter, rewards point on Grocery, Departmental store, Movies, Dining and much more. Let’s read more in details about this credit card.

JOINING FEE
NIL
RENEWAL FEE
NIL
BENEFITS
2 Railway Lounge per quarter In Year.
REWARDS &CASHBACK
15 Reward point on Grocery, Departmental store, Movies, Dining.

Key Features of AU Xcite Credit Card

Rewards

  • Get 15 Rewards point on every ₹100 spent on Grocery, Departmental store, Movies and Dining.
  • Get 3 Reward points on every ₹100 spent on online and offline.
  • Get 1 Reward points on every ₹100 spent on utility, Insurance, Education and Government payments.
  • Get 2X Reward points on retail spends between 1st to 5th of every calendar month.
  • No Reward points on transaction done on Fuel, Wallet, Rent, EMI, Cash Advances.

Fuel Surcharge Waiver

  • Get 1% Fuel surcharge waiver on fuel transaction between ₹400 to ₹5000 and maximum waiver is Rs.250 per month. Note that you will not get any reward point on fuel spends.

Lounge Access

  • Get 2 complimentary IRCTC lounge every quarter at kolkata, New delhi, Jaipur, Agra, Ahemdabad railway station.

Reward Redemption

  • The earned reward can be redeemed on AU Rewards portal for different product, gift voucher, travel related booking 1 Reard rate = ₹0.25.

Fees & Charges

Foreign Currency Markup

  • The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.

Finance Charges & Cash withdrawal Fee

  • Interest rate is 3.5% per month that is 44% per annum.
  • Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.

Device Protection Plan

  • Get 1 year complimentary device protection that is screen damage protection plan for mobile phones and tablet and 1 year extended warranty for mobile phones, tablet, laptops.

Eligibility Criteria

  • The applicant age must be 21-60 years for salaried employee and 25-65 years for self employed and he/she should be resident of India. The cardholder should have decent credit score.
  • AU Bank has not mentioned the salary but you need salary atleast more than ₹25k per month.
  • Final Thoughts

AU Xcite Credit Card is for those who have basic entry level credit card and want to upgrade for some extra benefits and reward. If you look into the reward rate it is good for the life time credit card. The complimentary railway lounge access and also extended warranty for appliance purchase like Mobile or tablet. Overall this is good credit card if you are getting upgraded with this card you can go for it.

  • Frequently Asked Questions
Which transaction is excluded in Reward program?

Fuel, Wallet, Rent, EMI, Cash Advances are excluded in cashpoint program.

No it only offer Railway lounge access.

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