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AU Bank Xcite Credit Card
AU Small Finance • Visa

AU Bank Xcite Credit Card

Popular AU entry-mid card targeted at online and shopping users.

Annual Fee₹999Waived on INR 1L annual spends
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹978Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Waived on INR 1L annual spends

Net value₹1,800

Estimated savings per year.

Fee waiver target: ₹1,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Online
1.5%
Shopping
1.5%
Basedefault
0.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • AU Bank Xcite Credit Card is best positioned as a shopping + online specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 1.5% on online-aligned lanes, while broad base return remains closer to 0.5%.
  • No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

  • Route this card to shopping and online spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 999 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • No complimentary lounge access is currently mapped for this card.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹999
  • Annual fee₹999
  • Waiver threshold₹1,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports6
  • Approval reports3

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

AU KOSMO Credit Card

Annual fee: Free

Shared focus: Online, ShoppingHigher product tier within same bankHigher top earn rate (2.0%)
View Details
Step 2

AU ABC Pro Credit Card

Annual fee: ₹499

Shared focus: Shopping, RewardsHigher top earn rate (2.5%)Estimated +₹2,057/yr value
View Details
Step 3

AU Altura Plus Credit Card

Annual fee: ₹499

Shared focus: Shopping, RewardsHigher top earn rate (2.0%)Estimated +₹1,805/yr value
View Details

Lounge Eligibility Checklist

Policy fallback: Policy-only fallback: no stable card-level lounge-row PDF source is currently configured for AU Xcite.

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for AU Bank Xcite Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No confirmed lounge spend unlock rule is listed in current verified PDF pipeline for AU Xcite.

Quarter / cycle rule

No confirmed quarter/cycle lounge rule is listed in current verified PDF pipeline for AU Xcite.

Guest access

Guest lounge access is not confirmed in current verified PDF pipeline for AU Xcite.

Priority Pass

Priority Pass is not confirmed in current verified PDF pipeline for AU Xcite.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Higher focus on online and retail spends
  • Moderate fee with waiver target
  • Useful for users wanting AU ecosystem entry

Things to Consider

  • Limited premium travel benefits
  • Returns are category and campaign dependent
  • General spend value remains average

About AU Bank Xcite Credit Card

AU Bank Xcite Credit Card is a points card from AU Small Finance, best for shoppers who want a lighter-fee au rewards card. It is tagged under shopping, online, rewards categories in our database.

ShoppingOnlineRewards

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Frequently asked questions

Is AU Bank Xcite Credit Card lifetime free?

It has an annual fee of ₹999. Waived on INR 1L annual spends

What rewards does AU Bank Xcite Credit Card offer?

Popular AU entry-mid card targeted at online and shopping users.

Does AU Bank Xcite Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider AU Bank Xcite Credit Card?

Shoppers who want a lighter-fee AU rewards card

Where can I apply for AU Bank Xcite Credit Card?

Check the issuer website for application availability.