AU Bank Xcite Credit Card
AU Xcite is AU Bank's entry-level card built for the RuPay UPI network, and it earns more than most cards at this fee level. It pays 15 reward points per ₹100 on dining, movies, grocery and departmental-store spends — roughly 3.75% back at ₹0.25 per point — along with 3 points per ₹100 on other retail spending, doubled to 6 points if the transaction falls between the 1st and 5th of the month. Utility, telecom and insurance payments earn a base 1 point per ₹100. At just ₹249 a year, with the fee waiving entirely once you cross ₹1 lakh of annual spend, it's a strong everyday earner for anyone whose spending naturally sits in its bonus categories.
Key features
The essentials worth knowing before applying.
3.75% on Dining
15 reward points per ₹100 on dining and movies
3.75% on Groceries
15 reward points per ₹100 on grocery and departmental-store spends
️ Lounge access
2 complimentary railway lounge visits per quarter
Annual Fee Waiver
₹249 + 18% GST (₹294 all-in) fee waived once you spend ₹1,00,000 in a year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹200 a month
UPI Linked
Link to Google Pay, PhonePe, BHIM and other UPI apps
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 3.75% | — |
| Groceries | reward points | 3.75% | — |
| Other | reward points | 0.75% | — |
| Utility Bills | reward points | 0.25% | — |
| Insurance | reward points | 0.25% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹294 |
| Joining fee (incl. 18% GST) | ₹294 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1%, cap ₹200 |
Perks & benefits
Non-reward value adds up to roughly ₹3,800 a year.
️ Device protection
Complimentary protection plan covering mobiles, tablets, laptops and select electronics.
️ Lounge access ~₹3,000/yr
2 complimentary railway lounge visits each quarter across major stations.
Fuel surcharge waiver ~₹800/yr
1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹200 per statement cycle.
Should you get it?
Best for: entry-level spenders concentrated in dining, movies, grocery and departmental stores; anyone wanting a RuPay card to link with Google Pay or PhonePe; a secondary category-earning card alongside a primary Visa or Mastercard; and AU Bank customers who transact mostly through UPI.
An entry-tier card, well suited to first-time and lower-spend users.
Value is strongest for shoppers who route spend through its dining and grocery categories.
✓ Pros
- 15 reward points per ₹100 (~3.75%) on dining, movies, grocery and departmental stores
- Low ₹249 annual fee, waived on ₹1 lakh of yearly spend
- Instant digital issuance through the AU Bank app
- RuPay UPI credit card, linkable to Google Pay, PhonePe and BHIM
✕ Cons
- AU reward points are worth roughly ₹0.25 each, with a thinner redemption catalogue than major banks
- No airport lounge access — railway lounges only
- Some acceptance gaps remain on RuPay credit mode at certain terminals
- Fuel, rent, EMI and government spends earn no reward points
Eligibility & documents
Age
21–65 years
Employment
type: Salaried · Self-employed
Minimum income ₹15,000/month
Documents required
- PAN card
- Aadhaar or other address proof
How to redeem rewards
🎁 Redeem reward points for statement credit and catalogue vouchers directly through the AU Bank app.
What your AU Reward Points are worth
Realistic per-point value across redemption routes. Statement credit (standard redemption): ₹0.25/pt Gift voucher catalogue (brand & e-gift vouchers): ₹0.25/pt The limitation: AU's reward point is worth about ₹0.25 with a noticeably thinner redemption catalogue than the major banks — and the lounge access is railway-only, not airport.
The bottom line
Xcite genuinely out-earns its price tier: 15 reward points per ₹100 (~3.75%) on everyday bonus categories for a ₹249 fee that waives at ₹1 lakh of yearly spend is a strong deal. The tradeoff is AU's ₹0.25 point value and a thinner redemption catalogue — this is a card built to earn well, not to deliver outsized redemption value.
Frequently asked questions
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