AU Bank Xcite Credit Card: Benefits & Apply

Summary

AU Bank Xcite Credit Card is a lifetime-free card with fundamental features and lucrative benefits that make it the perfect first-time credit card option and value seeker. First of all, the card is unique in the Indian credit card market for not charging any joining or renewal fee, which is uncommon in the Indian credit card market. Although free, it delivers tremendous value through its robust reward mechanism.

Cardholders get 15 Reward Points for every ₹100 spent in popular categories like dining, movies, groceries, and departmental stores, essentially giving a return of 3%. For other categories, the reward rate is 0.2% to 0.6%, thereby providing users with rewards for regular spending, too. Additionally, AU Bank promotes early-month spending through 500 points as a bonus for spending ₹5,000 between the 1st and 5th of any month.

Aside from rewards, the Xcite card has 2 free visits per quarter to railway lounges, making travel more comfortable. Additionally, it provides device protection on purchases made, a feature rarely available in beginner cards. When making purchases with fuel, the consumer gets a waiver of 1% fuel surcharge, which translates to significant savings when consolidated over time.

Introduction

In the fast lane of the contemporary world, the credit card has transformed from being just a payment tool. It is convenient, safe, and reward-loaded, and with these attributes, parting with money each day becomes less of a chore. With many credit cards available, choosing one is a daunting task. But if you are the kind who enjoys elusive lifestyle privileges, excellent rewards, and premium services, then the AU Bank Xcite Credit Card might be the perfect fit for you.

AU Small Finance Bank has first earned a reputation for offering innovative and customer-friendly banking products. The Xcite credit card range is designed for the modern Indian consumer, and the Xcite Ultra is the most luxurious of all such cards. The card is designed specifically for those who want more value out of every rupee they spend.

One of the major reasons this card is getting people excited is its prolific reward rate and VIP lounge access. Compared to regular credit cards, which have few rewards, the Xcite Ultra has a whole bunch of benefits that cater to your spending habits as well as lifestyle. Say you travel more than you stay at home; you will get free railway lounge access. Not only this, but the card also provides good cashback and reward points on different categories such as grocery shopping, fuel purchases, online shopping, and bill payments.

Aside from rewards, the AU Bank Xcite Credit Card also cares about security and ease of use. It possesses better contactless payment functionality, instant EMI options, and no lost card liability if notified in time. That is, you can use your card stress-free since your money is safe and secure.

What is the AU Bank Xcite Credit Card?

The AU Bank Xcite Credit Card is a high-end credit card provided by AU Small Finance Bank. It is for individuals who desire more from their credit card—more reward points, more lifestyle rewards, and more convenience. Compared to standard credit cards with limited rewards, this credit card offers exclusive lounge access at railway station, high reward points, cashback rewards, and other luxury rewards.

It also comes with smart features such as contactless payments, EMI option, and decent security features. You can also get free golf lessons, birthday offers, and discounts on movies and dining.

How is the design of the AU Bank Xcite Credit Card?

The design of the AU Bank Xcite Credit Card is contemporary, sophisticated, and premium—the perfect choice for anyone who loves sophistication. The card looks streamlined and attractive right from the start, with a smooth finish and well-defined layout. The card itself is designed with a minimalist theme that makes it look wealthy and sophisticated compared to regular credit cards.

Second, the new card features a vertical design, which is a novel and cool design feature. This cool design feature is not only sleek in style, but also shows how the majority of people are using cards now, especially for contactless payments. The AU Bank brand and the chip are placed centrally such that the look is neat and professional-looking.

What are the benefits of the AU Bank Xcite Credit Card?

Here are its salient features:

Rewards Program

Uber Accelerated Rewards: Earn 15 Reward Points (RP) on every ₹100 spend on dining, movies, groceries, and department stores, which works out to a 3% reward rate.

Standard Rewards:

• Spends online and offline: 3 RP for every ₹100 (0.6% reward rate).

• Utility, insurance, education, and govt bills: 1 RP for each ₹100 (0.2% reward rate).

• Monthly Bonus: Get 500 reward points as a bonus for the spend of ₹5,000 between the 1st to 5th of any month of the calendar.

• Redemption Options: Redeem points on AU Rewardz website in the form of Amazon Pay gift vouchers, mobile/DTH recharges, travel transactions, etc. 1 RP = ₹0.20.

Travel & Lifestyle Benefits

• Railway Lounge Visits: Get 2 free railway lounge visits per quarter (8 per annum) at select Indian railway stations.

• Device Protection: Get a free device protection plan on eligible purchases.

Fuel Surcharge Waiver

Get a 1% fuel surcharge waiver on spends between ₹400 to ₹5,000 up to a maximum of ₹150 per statement cycle.

Additional Features

• Contactless Payments: Easy and secure tap-and-pay transactions.

• EMI Facility: Easy EMIs for big purchases.

• Global Acceptance: Accepted by millions of merchants worldwide.

• Security: Chip-based protection with fraud monitoring and protection.

What are the fees for the AU Bank Xcite Credit Card?

Here is a simple breakdown of the  AU Bank Xcite Credit Card fees.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.75% per month (45% annually) charge is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an AU Bank Xcite Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an AU Bank Xcite Credit Card?

The documents that you will have to submit to get the AU Bank Xcite Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the AU Bank Xcite Credit Card be used?

Here is the list of places where you can use it:

• With the AU Bank Xcite Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  AU Bank Xcite Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  AU Bank Xcite Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the AU Bank Xcite Credit Card?

The credit amount you can spend is what you are provided to you with an AU Bank Xcite Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an AU Bank Xcite Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the AU Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by AU Bank; for instance, you can choose the  AU Bank Xcite Credit Card.

• Just hover your cursor on the  AU Bank Xcite Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest AU Bank branch to apply for the  AU Bank Xcite Credit Card.

• Request for the credit card application form of the  AU Bank Xcite Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  AU Bank Xcite Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the AU Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an AU Bank Xcite Credit Card in 2025 be right?

Yes, getting an AU Bank Xcite Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

AU Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

In summary, the AU Bank Xcite Credit Card is a full and premium credit card that offers an array of advantages to suit modern lifestyles. Whether you are an incurable wanderer, shopaholic, or just want to save on day-to-day spending, there is something good for everyone on this card. From offering redeemable reward points on every spend to special access to train lounges, the card enriches your spending experience along with rewarding it.

Also, it is a life-free card, meaning you are not charged to join or with an annual fee. This is very beneficial for those requiring premium benefits without additional charges. Also, the milestone rewards as well as monthly bonus giveaways ensure you are getting extra value each time you use the card in a responsible manner.

Another key advantage of this card is the added security and convenience. Services like device protection, extended warranty, contactless payment, and zero liability on lost card provide you with assurance and ease of everyday use and make it more secure. And to add to that, fuel surcharge waiver, dining savings, and personal concierge services elevate your lifestyle experience too.

Frequently Asked Questions (FAQ’s)