AU Bank Xcite Credit Card
AU Small Finance Bank · Visa
Why this card?
- 3.75% back in reward points on dining and food delivery, entertainment and groceries; 0.75% on other spends
- ₹999 joining fee, ₹249 annual fee; renewal fee waived on ₹1 lakh yearly spend
- 8 domestic airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- AU Small Finance Bank
- Network
- Visa
- Annual Fee
- ₹249
- Joining Fee
- ₹999
- Reward Type
- points
- Best Reward Rate
- 3.75% on dining
- Forex Markup
- 3.49%
- Domestic Lounge
- 8/yr
- Min. Monthly Income
- ₹25,000
- Rates verified
- 2026-10-06
Our verdict
AU Bank Xcite sits above the Altura Plus in AU's card stack — up to 15 reward points per ₹100 (about 3.75% back as points) on dining, movies and grocery/departmental stores, 3 points per ₹100 (about 0.75%) elsewhere, and 8 railway lounge visits a year make it a well-rounded mid-tier points card. The fee is ₹249/year (waived at ₹1 lakh spend) plus a ₹999 joining fee.
Pros
- Up to 15X reward points (about 3.75% back) on dining, movies and grocery/departmental stores
- 8 railway lounge visits per year
- 3 reward points per ₹100 (about 0.75%) on other eligible spend, plus 2X points on retail spends on the 1st–5th of each month
- ₹249 annual fee, waived at ₹1 lakh annual spend
Cons
- ₹999 joining fee on top of the ₹249 annual fee
- No airport or international lounge access — visits are at railway lounges
- 3.49% forex markup
- AU Small Finance Bank brand less familiar than HDFC/SBI to some users