AU Xcite Credit Card

AU Small Finance Bank · Open to apply

The entry card of AU's SwipeUp Xcite series. It pays 15 points per ₹100 on dining, movies, groceries and departmental stores and 3 on other spends, with 8 railway lounge visits a year. The ₹249 fee is waived on ₹1 lakh of yearly spend.

Annual fee
₹249 + GST a year
Joining fee
₹249 + GST
Fee waiver
Annual fee waived on ₹1,00,000 spend per card year
Base rate
Online and offline spends, 3 points per ₹100: 3 AU reward points per ₹100 (about 0.6% at cash value)
Lounges
Railway: 8 visits a calendar year
Forex markup
3.49%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Dining, movies and groceries, 15 points per ₹100: 15 AU reward points per ₹100 (about 3% at cash value)

Earns nothing on

  • No points on cash, rent, education, government, EMI, fuel and tolls
  • No points on railways (transportation)

Terms the calculator does not value

  • "Get Welcomed Every Month": 2X points (6 per ₹100) on the base rate for retail spends from the 1st to the 5th of every month, excluding rent, wallet, fuel, EMI, cash, quasi cash, education, government and BBPS. The calculator has no day-of-month window.
  • Department stores earn 15 points on the page but have no category here; local commute (MCC 4111) and BBPS earn nothing but are valued at the base rate.
  • No document states a redemption value for Xcite; ₹0.20 is the 2023 voucher rate for all AU cards.

Sources

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