AU Xcite Credit Card Review
Dining card
The AU Xcite is lifetime free (no joining or annual fee). It earns 0.5% back on regular spends and up to 3.75% on Dining. Best for: free dining, entertainment and grocery rewards — our verdict: recommended.
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AU Xcite is a strong lifetime-free lifestyle card, offering 7.5x points on dining, entertainment and grocery plus device protection and extended warranty. The Rs. 0.25 point value caps the real return and there is no airport lounge access, but as a no-fee card for everyday dining and groceries it delivers genuine value.
Dining card
The Bottom Line
The AU Xcite is built for dining and entertainment spender and gadget buyer. With no annual fee, it offers 3.75% rewards on dining and 500 bonus points. It makes the most sense if your spending matches dining and entertainment spender and gadget buyer.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with Dining and entertainment spender, Gadget buyer. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealSomeone who eats out, streams/watches movies and shops for groceries can earn 15 points per Rs. 100 in those categories on a free card.
A user who values the device protection plan and one-year extended warranty on electronics purchases.
Probably not for
SkipThere is no airport lounge access, only railway lounges, so frequent flyers gain little.
The 3.49% forex markup makes overseas use costly.
Is It Worth It For You?
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Reward Rates
AU Xcite offers 0.5% basic reward rate.
Quick Calculator
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Welcome Offer
500 bonus Reward Points for new customers, credited after meeting the qualifying spend within 60 days of card issuance.
Fees & Charges
Eligibility
- Min Income: ₹3 Lakhs
- Min Credit Score: 700
- Resident Indian aged 21-60; available via AU Bank SwipeUp platform for existing credit card holders from any bank; CIBIL 700+ preferred.
Exclusions & Terms
Forex markup
- Foreign currency markup
Frequently Asked Questions
7 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the AU Small Finance Bank website.
Apply on AU Small Finance Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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