AU Bank Swipe Up Credit Card
AU Small Finance Bank · Visa
Why this card?
- Cashback card — check the issuer for the current rates
- Lifetime free — no joining or annual fee
- 1% fuel surcharge waiver
Card details
- Issuer
- AU Small Finance Bank
- Network
- Visa
- Annual Fee
- Lifetime Free
- Joining Fee
- None
- Reward Type
- cashback
- Best Reward Rate
- 2% on online spends (2% cashback)
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹15,000
- Rates verified
- 2026-07-30
Our verdict
AU Bank no longer lists a single Swipe Up card. The SwipeUp program now comprises the Xcite (₹249 annual fee), Xcite Ace (₹749) and Xcite Ultra (₹749) cards, so check which one fits before applying. As a starter option in AU's range, the earn rate is modest.
Pros
- Three tiers in the SwipeUp program — Xcite, Xcite Ace and Xcite Ultra
- Entry-level Xcite carries a ₹249 annual fee
Cons
- Annual fees of ₹249 to ₹749 apply — the cards are not lifetime free
- AU Small Finance Bank has a smaller ATM and branch network than major banks