← Part of AU Small Finance Credit Cards in India
AU Small Finance Bank has over 10 lakh active credit cards in India as of March 2026, making IT a significant issuer in the country. The AU Bank Xcite Credit Card, an entry-level offering, provides up to 15 Reward Points on every ₹100 spent, with a redemption rate of 1 RP = Re. 1.
| Parameter | Details |
|---|---|
| Bank Name | AU Small Finance Bank |
| Credit Card Name | AU Bank Xcite Credit Card |
| Card Type | Entry-level credit card, upgradable via SwipeUp platform |
| Eligibility (Primary Applicant) | Indian resident, age 21-60 years, decent credit history, existing credit card from any other bank |
| Eligibility (Supplementary Card) | Indian resident, at least 18 years old |
| Recommended CIBIL Score | 650 or above (for entry-level cards like Xcite) |
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Membership Fee | ₹249 + applicable taxes (for Xcite Credit Card) |
| Annual Fee Waiver Criteria | ₹1,00,000 retail spends in previous card anniversary year (for 2nd year onwards) |
| Reward Rate | Up to 15 Reward Points on every ₹100 spent |
| Reward Redemption Rate | 1 Reward Point = Re. 1 |
| Fuel Surcharge Waiver | 1% waiver for transactions between ₹400 and ₹5,000 (max ₹150 per statement cycle) |
| Railway Lounge Access | 8 complimentary railway lounge access per annum (maximum 2 per calendar quarter) |
| Device Protection Plan | Complimentary device protection for mobiles, tablets, laptops, and select electronics |
| Add-on Card Offering | Available for family members, lifetime free |
| EMI Conversion | Convert eligible credit card transactions into EMIs |
| Application Mode | Online or offline at AU Small Finance Bank branches |
| Documents Required | Identity proof, address proof, income documents |
| Customer Support | Toll-Free Helpline: 1800 1200 1500 (24×7), Email: creditcard.support@aubank.in |
The AU Bank Xcite Credit Card is designed for individuals seeking an upgraded credit experience with better limits and rewards compared to basic cards, positioning IT among the best entry-level options in India (Source: Kashti.com).
AU Small Finance AU Bank Xcite Credit Card in India
AU Small Finance Bank offers a range of Xcite credit cards in India, including the Xcite, Xcite Ace, and Xcite Ultra, designed for various spending needs. As of March 2026, AU Bank manages over 10 lakh active credit cards nationwide, reflecting its significant presence in the Indian market.
| Type/Category | Details | Key Feature |
|---|---|---|
| Credit Card | AU Bank Xcite Credit Card | Lifetime free, up to 15 Reward Points on every ₹100 spent, 1% fuel surcharge waiver (max ₹150 per statement cycle), complimentary device protection, 8 complimentary railway lounge access per annum. |
| Credit Card | AU Bank Xcite Ace Credit Card | Lifetime free, higher cashback benefits (up to 3% based on monthly spending), higher credit limits, free airport and railway lounge access, complimentary travel insurance, up to 30% discount on dining, device protection plan. |
| Credit Card | AU Bank Xcite Ultra Credit Card | Annual fee ₹749 + taxes (waived on ₹2,00,000 retail spends in previous year), accelerated reward points, fuel surcharge waiver, 2 complimentary domestic lounge access per quarter (on ₹50,000 spend in previous quarter from April 10, 2026), exclusive stay offers with Alaya Stays, complimentary device protection, travel insurance up to ₹50 lakh. |
| Credit Card Platform | SwipeUp Platform by AU Small Finance Bank | Offers upgraded credit cards (Xcite, Xcite Ace, Xcite Ultra) to AU Bank customers and individuals holding credit cards from other issuers. |
| Bank Operations | AU Small Finance Bank | Indian private sector bank founded in 1996, branches across 21 states and 3 union territories, over 30,000 employees, over 10 lakh active and outstanding credit cards (as of March 2026). |
| Credit Card Eligibility (Xcite) | AU Bank Xcite Credit Card | Indian resident, decent credit history, can be issued to existing credit card holders for upgrade, CIBIL score of 650 or above generally sufficient for entry-level cards. |
| Credit Card Eligibility (Xcite Ace) | AU Bank Xcite Ace Credit Card | Applicant age 21-60 years, supplementary card applicant age minimum 18 years, Indian resident. |
| Co-branded Credit Card | CheQ AU Credit Card | Launched April 15, 2026, applications open April 28, 2026, annual fee ₹499 (reversible on ₹3 lakh annual spends), welcome benefit worth ₹695 (EazyDiner membership), optional LED version with one-time fee of ₹999 (waived until May 31, 2026 for CheQ customers). |
| Credit Card Feature | Add-on Card Offering | Available for Xcite and Xcite Ultra Credit Cards, add-on card is lifetime free. |
| Credit Card Feature | EMI Conversion | Eligible credit card transactions can be converted into EMIs. |
| Credit Card Eligibility (LIT Card) | AU LIT Credit Card | Salaried individuals aged 21-60 years, self-employed individuals aged 25-65 years, Indian citizen. |
| Credit Card Eligibility (Corporate) | AU Corporate Credit Card | Resident of India, primary cardholder aged 21-60 years. |
| Fees & Charges (Xcite) | Annual Membership Fee | ₹249 + applicable taxes (waived on ₹1,00,000 retail spends in previous card anniversary year). |
| Fees & Charges (Xcite Ultra) | Annual Membership Fee | ₹749 + applicable taxes (waived on ₹2,00,000 retail spends in previous card anniversary year). |
| Fees & Charges (General) | Payment Return Charges | ₹500 for returned payments. |
| Fees & Charges (Priority Pass) | Priority Pass Access (India) | $35 + taxes per visit (effective from January 1, 2025). |
| Insurance Benefit | Travel Insurance (Xcite Ultra) | Coverage up to ₹50 lakh, including flight delay, baggage loss, flight hijack, or passport loss. |
| Customer Service | Helpline | 1800 1200 1500 (Toll-Free, 24×7) for credit card support. |
The AU Xcite Credit Card series offers competitive reward rates and benefits, positioning AU Small Finance Bank as a strong contender in India’s credit card market for both entry-level and premium users.
AU Small Finance AU Bank Xcite Credit Card in India
The AU Bank Xcite Credit Card is an entry-level, lifetime-free credit card offering d benefits and higher reward rates compared to basic cards. As of March 2026, AU Small Finance Bank has over 10 lakh active credit cards in India, indicating strong market presence.
| Metric | Value | Source |
|---|---|---|
| Bank Name | AU Small Finance Bank | AU Small Finance Bank Credit Cards – Apply Online & Benefits |
| Card Name | AU Bank Xcite Credit Card | AU Bank Xcite Credit Card: Detailed Review & How to Apply On |
| Card Type | Entry-level, Lifetime Free | AU Bank Xcite Credit Card: Detailed Review & How to Apply On |
| Eligibility (Primary Applicant) | Indian resident, age 21-60 years, decent credit history, existing credit card holder | AU Bank Xcite Credit Card: Detailed Review & How to Apply On |
| Eligibility (Supplementary Card) | Indian resident, at least 18 years old | AU Bank Xcite Credit Card: Detailed Review & How to Apply On |
| Application Mode | Online, Offline (at AU Small Finance Bank branch) | AU Bank Xcite Credit Card: Detailed Review & How to Apply On |
| Joining Fee | ₹0 | AU Bank Xcite Credit Card: Detailed Review & How to Apply On |
| Annual Fee | ₹0 | AU Bank Xcite Credit Card: Detailed Review & How to Apply On |
| Reward Rate | Up to 15 Reward Points on every spend of ₹100 | AU Small Finance Bank Credit Cards – Apply Online & Benefits |
| Reward Redemption Rate | 1 Reward Point = ₹1 | AU Small Finance Bank Credit Cards – Apply Online & Benefits |
| Fuel Surcharge Waiver | 1% waiver for transactions between ₹400 and ₹5,000 (max ₹150 per statement cycle) | Xcite Credit Card- Enjoy Upgraded Experience | AU Small Fina |
| Railway Lounge Access | 8 complimentary visits per annum (max 2 per calendar quarter) | AU Bank Xcite Credit Card: Detailed Review & How to Apply On |
| Device Protection Plan | Complimentary for mobiles, tablets, laptops, and select electronics | AU Bank Xcite Credit Card: Detailed Review & How to Apply On |
| Extended Warranty | One-year extended warranty on purchased electronic devices | AU Small Finance Bank Credit Cards – Apply Online & Benefits |
| Card Liability Cover | Zero liability on fraudulent transactions after reporting loss | AU Small Finance Bank Credit Cards – Apply Online & Benefits |
| EMI Conversion | Convert eligible credit card transactions into EMIs | AU Small Finance Bank Credit Cards – Apply Online & Benefits |
| Minimum CIBIL Score Recommended | 650 or above | Best AU Small Finance Bank Credit Cards 2026 – Fea |
| Customer Base (AU Small Finance Bank) | Lakhs of people | AU Small Finance Bank Credit Cards – Apply Online & Benefits |
| Active Credit Cards (AU Bank) | More than 10 lakh (as of March 2026) | AU Small Finance Bank Credit Cards – Apply Online & Benefits |
The AU Bank Xcite Credit Card provides substantial benefits for an entry-level offering, including strong reward points and complimentary lounge access, making IT a competitive choice for Indian consumers.
How AU Small Finance AU Bank Xcite Credit Card in India Works
The AU Bank Xcite Credit Card is a lifetime-free card designed for users seeking upgraded benefits from their existing basic credit cards. IT offers d credit limits and higher reward rates compared to many entry-level cards in the Indian market as of 2026.
This card is part of AU Small Finance Bank’s Swipe Up platform, which allows individuals holding credit cards from other banks to upgrade to an AU Bank Xcite variant.
- Eligibility Criteria: Applicants must be Indian residents, aged 21 to 60 years for primary cards, and at least 18 years for supplementary cards. A decent credit history is required.
- Application Process: Applications can be submitted online through the AU Small Finance Bank website or offline by visiting any AU Small Finance Bank branch across India.
- Reward Points Structure: The Xcite Credit Card offers up to 15 Reward Points for every ₹100 spent, with a redemption value of 1 Reward Point equal to ₹1.
- Fuel Surcharge Waiver: Cardholders receive a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations in India, capped at ₹150 per statement cycle.
- Railway Lounge Access: The card provides 8 complimentary railway lounge accesses per annum, limited to a maximum of 2 accesses per calendar quarter.
- Device Protection Plan: Cardholders receive complimentary device protection for mobile phones, tablets, laptops, and select other electronic devices.
- EMI Conversion Facility: Eligible credit card transactions can be converted into Equated Monthly Installments (EMIs) for easier repayment management.
- Add-on Card Facility: Primary cardholders can avail add-on cards for family members, extending the card’s benefits to their loved ones.
The AU Bank Xcite Credit Card aims to provide significant value through its reward program and lifestyle benefits, positioning IT as a strong choice for upgrading credit card users in India.
AU Small Finance AU Bank Xcite Credit Card in India
The AU Bank Xcite Credit Card, an entry-level offering, provides d benefits like higher reward rates and credit limits compared to basic cards. As of March 2026, AU Small Finance Bank has over 10 lakh active credit cards in India, reflecting its growing presence.
The Xcite Credit Card is designed for individuals seeking to upgrade their existing basic credit cards with improved features. Here are its key benefits and features:
- Add-on Card Facility: You can extend the card’s benefits to family members through an add-on card offering.
- Fuel Surcharge Waiver: The card offers a 1% waiver on fuel transactions between ₹400 and ₹5,000, with a maximum waiver of ₹150 per statement cycle.
- Reward Points: Earn up to 15 Reward Points on every ₹100 spent, with a redemption rate of 1 Reward Point equal to ₹1.
- Lifetime Free Option: The Xcite Credit Card can be lifetime free, offering significant savings on annual fees.
- Complimentary Device Protection: Enjoy complimentary device protection for your mobile phones, tablets, laptops, and other select electronics.
- Railway Lounge Access: Receive 8 complimentary lounge accesses per year at select railway stations, limited to 2 per calendar quarter.
- EMI Conversion: Eligible credit card transactions can be converted into convenient Equated Monthly Instalments (EMIs).
- d Credit Limit: The card often provides a better credit limit compared to many existing basic credit cards.
The AU Bank Xcite Credit Card is a strong option for those looking for a feature-rich, entry-level card with competitive rewards and benefits in 2026.
AU Small Finance AU Bank Xcite Credit Card in India
The AU Bank Xcite Credit Card is a basic/entry-level offering designed for individuals seeking an upgraded credit card experience. IT provides a reward rate of up to 15 Reward Points on every ₹100 spent, with each Reward Point valued at ₹1. As of March 2026, AU Bank has over 10 lakh active credit cards in India.
| Feature | AU Small Finance AU Bank Xcite Credit Card | AU Bank Xcite Ace Credit Card | AU Bank Xcite Ultra Credit Card |
|---|---|---|---|
| Card Type | Basic/Entry-level Credit Card | Mid-tier Credit Card | Luxury Credit Card |
| Annual Fee (2026) | ₹249 + applicable taxes | Lifetime Free | ₹749 + applicable taxes |
| Fee Waiver Condition (2nd year onwards) | ₹1,00,000 retail spends in previous card anniversary year | N/A (Lifetime Free) | ₹2,00,000 retail spends in previous card anniversary year |
| Reward Rate | Up to 15 Reward Points on every ₹100 spent (1 RP = ₹1) | Up to 3% cashback on total monthly spending | Accelerated reward points, up to 5,500 bonus reward points annually |
| Fuel Surcharge Waiver | 1% waiver for transactions between ₹400 and ₹5,000 (max ₹150 per statement cycle) | Generally included in Xcite series | Included |
| Lounge Access | 8 complimentary railway lounge access per annum (max 2 per calendar quarter) | Free airport and railway lounge access every year | 2 complimentary Domestic Lounge Access every quarter (based on ₹50,000 spend in previous quarter, effective April 10, 2026) |
| Device Protection | Complimentary device protection for mobiles, tablets, laptops, and select electronics | Device protection plan on electronic devices (mobile phones) | Complimentary device protection plan on electronic devices (mobile phones), one-year extended warranty |
| Travel Benefits | Decent travel benefits | Exciting travel privileges, complimentary travel-based insurance covers | Exclusive Stay Offers with Alaya Stays (200+ villas), travel insurance coverage up to ₹50 lakh |
| Eligibility (Age) | Applicant age 21 to 60 years (Supplementary card 18+) | Applicant age 21 to 60 years (Supplementary card 18+) | Applicant age 21 to 60 years (Supplementary card 18+) |
The Xcite Credit Card offers competitive rewards and benefits for an entry-level card, including device protection and railway lounge access. For higher cashback or luxury travel perks, the Xcite Ace or Xcite Ultra cards provide d features.
Common Misconceptions About AU Small Finance AU Bank Xcite Credit Card in India
Many applicants misunderstand key aspects of the AU Bank Xcite Credit Card, particularly its “lifetime free” status and lounge access criteria. While the Xcite Credit Card is lifetime free, the Xcite Ultra variant has an annual fee of ₹749 + taxes, which can be waived.
Understanding these distinctions helps cardholders maximize benefits and avoid unexpected charges.
- Misconception 1: All AU Bank Xcite cards are lifetime free. The basic AU Bank Xcite Credit Card is lifetime free, meaning IT has no joining or annual fees. However, the AU Bank Xcite Ultra Credit Card carries an annual membership fee of ₹749 + applicable taxes, which can be waived on retail spends of ₹2,00,000 in the previous anniversary year.
- Misconception 2: Lounge access is unconditional. For the Xcite Ultra Credit Card, domestic lounge access requires a minimum spend. As of April 10, 2026, cardholders must spend ₹50,000 in a calendar quarter to avail domestic airport lounge access in the subsequent quarter.
- Misconception 3: The Xcite Credit Card is only for existing AU Bank customers. The AU Bank Xcite Credit Card is available to Indian residents who hold a credit card from any other bank, allowing them to upgrade their existing card benefits.
- Misconception 4: Reward points are difficult to redeem. The Xcite Credit Card offers a straightforward reward redemption rate of 1 Reward Point = ₹1, redeemable against various options. Cardholders can earn up to 15 Reward Points on every ₹100 spent.
- Misconception 5: Fuel surcharge waiver applies to all transactions. The 1% fuel surcharge waiver on the Xcite Credit Card applies to transactions between ₹400 and ₹5,000, with a maximum waiver of ₹150 per statement cycle.
Always review the specific terms and conditions for your chosen AU Bank Xcite Credit Card variant to confirm benefits and avoid common misunderstandings.
What to Do Next: Actionable Steps
Applying for the AU Bank Xcite Credit Card in 2026 involves verifying your eligibility and submitting the required documents. The bank considers factors like your credit history, income, and age for approval.
AU Small Finance Bank offers both online and offline application modes for convenience, with a minimum CIBIL score of 650 generally recommended for entry-level cards like the Xcite.
- Check Eligibility: Ensure you are an Indian resident aged 21 to 60 years with a decent credit history. Supplementary card applicants must be at least 18 years old.
- Review Credit Score: A CIBIL score of 650 or above is typically recommended for the AU Altura and Xcite cards. For premium cards like AU Zenith, a score of 750+ is needed.
- Gather Documents: Prepare identity proof (e.g., Aadhaar, PAN), address proof (e.g., utility bill), and income documents (e.g., salary slips, bank statements).
- Choose Application Mode: Apply online through the AU Small Finance Bank website or visit any of their 600+ branches across 21 states and 3 union territories.
- Understand Fees: The AU Bank Xcite Credit Card is lifetime free, meaning no joining or annual fees. The Xcite Credit Card has an annual fee of ₹249 + taxes, waived on ₹1 lakh retail spends in the previous year.
- Activate Card Promptly: Activate your new credit card within 37 days of issuance, as per RBI guidelines, to avoid deactivation.
After reviewing the eligibility and preparing your documents, proceed with the application via your preferred method.
Key Takeaways
- The AU Bank Xcite Credit Card is a lifetime free option, offering up to 15 Reward Points per ₹100 spent.
- Eligibility requires Indian residency, age 21-60 years, and a decent credit history, with a recommended CIBIL score of 650+.
- AU Small Finance Bank provides both online and offline application channels, with over 600 branches across India.
Check your eligibility and apply for the AU Bank Xcite Credit Card directly on the official AU Small Finance Bank website.
Frequently Asked Questions (FAQs)
What are the key benefits of the AU Bank Xcite Credit Card?
The AU Bank Xcite Credit Card offers up to 15 Reward Points on every ₹100 spent, redeemable at 1 RP = ₹1. IT also provides a 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000, with a maximum waiver of ₹150 per statement cycle. This card is designed for users seeking upgraded benefits from their existing credit cards.
What is the eligibility criteria for the AU Bank Xcite Credit Card?
Applicants for the AU Bank Xcite Credit Card must be Indian residents with a decent credit history. While specific income requirements are not publicly detailed, a CIBIL score of 650 or above is generally considered sufficient for entry-level AU Bank credit cards like the Xcite. The card is also available to individuals holding credit cards from other banks.
Can I get an add-on card with the AU Bank Xcite Credit Card?
Yes, AU Bank allows you to get add-on cards for the Xcite Credit Card. This feature lets you extend the card’s benefits to your family members or loved ones. You can share the card’s privileges with them through this offering.
Does the AU Bank Xcite Credit Card offer airport lounge access?
The AU Bank Xcite Credit Card (basic variant) does not typically offer complimentary domestic airport lounge access. However, the Xcite Ultra Credit Card, a premium variant, provides 2 complimentary domestic lounge accesses per quarter, subject to a minimum spend of ₹50,000 in the previous calendar quarter (effective April 10, 2026).
How can I apply for the AU Bank Xcite Credit Card?
You can apply for the AU Bank Xcite Credit Card both online and offline. For online applications, visit the AU Small Finance Bank website. To apply offline, visit your nearest AU Small Finance Bank branch and complete the application with assistance from bank officials.
What is the Swipe Up platform for AU Bank credit cards?
The Swipe Up platform by AU Small Finance Bank allows individuals to upgrade their existing credit cards from any bank to an AU Bank credit card. This platform offers cards like the AU Bank Xcite Credit Card, Xcite Ace Credit Card, and Xcite Ultra Credit Card. IT aims to provide users with better credit limits and d rewards.
Are there any annual fees for the AU Bank Xcite Credit Card?
The AU Bank Xcite Credit Card is often promoted as a lifetime free card, meaning IT typically has no annual fees. This makes IT an attractive option for those seeking an upgraded credit card experience without recurring charges. Always confirm the latest fee structure with AU Small Finance Bank directly.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.