AU Xcite Credit Card

Name: AU Small Finance Bank AU Xcite Credit Card
Brand: AU Small Finance Bank
Rating: 3.61 (1 reviews)

Ranked #55 of 170 in credit

creditVisaEntry-Upgrade

AU Bank's lifetime-free upgrade-only credit card (via SwipeUp Card-to-Card platform) offering high reward rates on dining/grocery/movie categories and railway lounge access, positioned as the base tier of the Xcite family below Xcite Ace and Xcite Ultra.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value23/100 · weight 71%

≈ 1.12% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +1.7% score bonus — earns broadly without narrow category restrictions.

Fee efficiency100/100 · weight 12%

Redemption flexibility92/100 · weight 9%

Perks1/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: —
Annual fee: Lifetime free
Forex markup: 3.49%

Lounge access

Domestic (per year): 0
International (per year): 0

Reward structure

Category	Type	Rate	Cap	Notes
groceries_offline	points	3.00%(15 pts @ ₹0.20)	—	15 RP/Rs100 on groceries, departmental stores, movies, dining = 3% effective at Rs0.2/pt
dining_offline	points	3.00%(15 pts @ ₹0.20)	—	15 RP/Rs100 on dining
all_spends	points	0.60%(3 pts @ ₹0.20)	—	3 RP/Rs100 base retail rate; 2X on spends between 1st-5th of month
fuel	cashback	1%	—	—
online_spends	cashback	1%	—	—
dining	cashback	1%	—	—
travel	cashback	1%	—	—
groceries	cashback	1%	—	—

Welcome offer

No welcome bonus (upgrade-only card via SwipeUp C2C platform)

Milestone benefits

Pros

Genuinely lifetime free
strong 15 RP/Rs100 (15%) reward rate on groceries/dining/movies/departmental stores
easy C2C upgrade path from any existing card
free 1-year extended warranty on electronics

Cons

Not available via direct/fresh application — only as an upgrade for existing cardholders of any bank via SwipeUp
no airport lounge
entry-level positioning limits appeal for premium users

What's inside

More benefits

Extended warranty & device protection
1-year extended warranty on electronics/white goods purchases
unlimited. Purchase via card

Insurance cover

text: ₹NaN

Eligibility

text: Existing credit cardholder from any issuer (Card-to-Card/C2C upgrade only via AU SwipeUp platform); no direct fresh application

Small print

Fuel surcharge:1% fuel surcharge waiver, Rs400-5,000 range, capped Rs150/statement cycle