AU Small Finance BankVisa Network

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3.9/5 Editorial Score

AU Bank Xcite Credit Card

Low-Cost Starter Credit Card with 2 Points on Supermarket Spends

Best Suited For

First-time cardholders, college graduates, and budget-conscious retail shoppers seeking an affordable credit card with minimal spending hurdles.

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Joining Fee

₹249

One-time upfront

Annual Fee

₹249

Waived on ₹25,000 annual spend

Base Rewards

1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25)

On eligible spends

Forex Markup

3.50% + GST

Cross-currency spends

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Last verified 3 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

3.9/5 Editorial Score

The AU Bank Xcite Credit Card is an unpretentious, accessible starter credit card engineered for entry-level professionals and first-time cardholders. With a nominal joining and annual fee of just ₹249 plus GST, it presents an exceptionally low barrier to entry for establishing credit history. Cardholders earn 2 reward points per ₹100 spent at grocery stores and supermarket checkouts (delivering an effective 0.50% return, where 1 point = ₹0.25). All other general retail spending earns 1 reward point per ₹100 (0.25% return). Accumulated points can be redeemed for mobile recharges or retail shopping vouchers via AU Rewardz. Cardholders also benefit from a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at petrol pumps nationwide (up to ₹100 per month). The annual fee is completely waived upon achieving total retail spending of just ₹25,000 in an anniversary year (averaging just ₹2,100 per month). For young adults entering the credit ecosystem who want a safe, low-fee card to build a solid CIBIL score, AU Xcite is an uncomplicated and sensible choice.

Ideal For:First-time cardholders, college graduates, and budget-conscious retail shoppers seeking an affordable credit card with minimal spending hurdles.

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Card Strengths

Ultra-affordable annual fee of only ₹249 plus GST with a minimal ₹25,000 spend waiver hurdle
Accelerated 2 reward points per ₹100 on everyday supermarket grocery shopping
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across India
Ideal tool for first-time credit users to build a disciplined 750+ CIBIL score
Zero minimum redemption threshold on mobile recharges via AU Rewardz

Things to Keep in Mind

Does not offer complimentary airport or railway lounge access
Base retail reward return is low at approximately 0.25% (1 point per ₹100)
Standard foreign exchange markup of 3.50% on international spending
Credit limits assigned to entry-level applicants are typically conservative

Additional Cardholder Privileges

Rewards

3 Reward Points on every retail spend of Rs. 100 and 15 Reward Points on dining, movies, departmental stores, and groceries

Welcome

Welcome Benefit 1

N/A

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: AU Xcite Rewards
Reward Currency: Reward Points
Base Earn Rate: 1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25)
Point Value (INR): ₹0.2500 per point
Redemption Channels: Redeem on AU Rewardz portal.
Reward Point Expiry: Points valid for 2 years.

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Retail Spends	3 Reward Points per ₹100 spent	No Cap	Standard terms apply
Dining, Grocery & Entertainment	3 Reward Points per ₹100 spent on dining, groceries, and entertainment (0.75% return)	1,500 Reward Points/mo	Standard terms apply

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Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

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Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

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Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Retail Spends0.75%

No published cap

₹

Dining, Grocery & Entertainment0.75%

Cap: ₹1,500/monthly

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Retail Spends	₹6,000	3 Reward Points per ₹100 spent	—	None	Calculating...	Under cap
Dining, Grocery & Entertainment	₹6,000	3 Reward Points per ₹100 spent on dining, groceries, and entertainment (0.75% return)	—	₹1,500/monthly	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹249

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹249 annual fee.

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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹249
Annual / Renewal Fee (2nd Year Onwards): ₹249
Annual Spend Fee Waiver: Waived on ₹25,000 annual spend
Fee Terms Notes: Annual fee of ₹249 waived on retail spend of ₹1,00,000 in a card anniversary year.

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): 3.49% per month
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Joining Fee: ₹249 + GST; Annual Renewal Fee: ₹249 + GST. • Annual Fee Waiver: Spend ₹25,000 or more in an anniversary year to waive the ₹249 annual renewal fee. • Grocery Rewards: 2 reward points per ₹100 spent on grocery supermarket checkouts (~0.50% return). • General Rewards: 1 reward point per ₹100 on all other non-grocery retail transactions (~0.25% return). • Point Valuation: 1 Reward Point = ₹0.25 on redemption via AU Rewardz. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum waiver of ₹100 per month). • Bureau Reporting: Monthly repayment activity reported to CIBIL and credit bureaus to establish a strong credit score.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹249 renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding AU Bank Xcite Credit Card application, fees, reward redemption, and eligibility

What is the annual fee of AU Bank Xcite Credit Card?

The joining and annual renewal fee is ₹249 plus GST. The renewal fee is completely waived if your total spending reaches ₹25,000 or more in an anniversary year.

How many reward points do I earn on grocery shopping?

You earn 2 reward points per ₹100 on supermarket grocery purchases, which gives an effective 0.50% value return.

Can this card help me build my credit score?

Yes, AU Small Finance Bank reports your repayment activity monthly to CIBIL, Equifax, Experian, and CRIF, making it an excellent card for establishing a credit score.

Does the card provide airport lounge access?

No, the AU Xcite card does not include airport lounge access. If you need lounge access, consider upgrading to the AU Vetta or Zenith Plus card.

What is the value of reward points on this card?

Each reward point is valued at ₹0.25 and can be redeemed for mobile recharges, shopping vouchers, or merchandise via AU Rewardz.

What is the joining and annual renewal fee for AU Bank Xcite Credit Card?

The joining fee for AU Bank Xcite Credit Card is ₹249 (one-time), and the annual renewal fee is ₹249 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on AU Bank Xcite Credit Card be waived?

Yes, the annual renewal fee of ₹249 is waived upon achieving annual spends of ₹25,000 in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on AU Bank Xcite Credit Card?

AU Bank Xcite Credit Card offers 1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25). Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.