AU Xcite Credit Card 2026: Features, Rewards, Fees, Benefits & Eligibility

The AU Xcite Credit Card is one of the best rewards credit cards on the market for daily spending, groceries, movies, and dining in 2026 and is good to consider if you are looking for a low-cost rewards credit card. Almost all transactions earn reward points, free access to the railway lounge, protection of devices and low annual fees make this card ideal for those seeking to get the most from their card without paying extra fees.

This card is ideal for anyone, from someone with a salary to a student earning income to a first-time credit cardholder, to help you earn rewards on your normal spending.

This comprehensive guide explores the AU Xcite Credit Card rewards, the APR, fees, restrictions and eligibility, application process, and the value of securing one in 2026.

AU Xcite Credit Card Highlights

Feature	Details
Card Type	Rewards Credit Card
Joining Fee	₹249 + GST
Annual Fee	₹249 + GST
Annual Fee Waiver	Spend ₹1,00,000 in a year
Best Categories	Dining, Grocery, Movies, Departmental Stores
Reward Rate	Up to 15 Reward Points per ₹100
Railway Lounge Access	2 Free Visits Every Quarter
Fuel Surcharge Waiver	1%
Reward Point Value	₹0.25 per Reward Point

AU Xcite Credit Card Reward Points & Cashback

The most important advantage of opting for the AU Xcite Credit Card is its lucrative rewards program.

1. 15 Reward Points per ₹100

You earn:

15 Reward Points for every ₹100 spent on:

• Dining

• Grocery Stores

• Movies

• Departmental Stores

Since 1 Reward Point = ₹0.25

Effective Cashback Rate: 3.75%

This makes the card ideal for families and individuals who frequently spend on lifestyle and everyday shopping.

2. Online & Offline Shopping Rewards

For other shopping transactions:

• 3 Reward Points per ₹100

Reward Value:

• 3 × ₹0.25 = ₹0.75

Effective Cashback Rate: 0.75%

Applicable on most online and offline retail purchases.

3. Offline Spending Rewards

For eligible offline transactions:

• 1 Reward Point per ₹100

Reward Value:

• ₹0.25

Offline Cashback Rate: 1%

This is useful for purchases at local merchants and retail outlets.

4. Utility, Insurance & Telecom Payments

For payments such as:

• Electricity Bills

• Water Bills

• Gas Bills

• Mobile Recharge

• Broadband

• Insurance Premiums

You'll earn:

• 1 Reward Point per ₹100

Effective Cashback Rate: 0.25%

5. Double Reward Points Every Month

One unique feature is:

Earn 2X Reward Points from the 1st to the 5th of every month.

If you can schedule your major purchases during these dates, you'll maximise your rewards.

AU Xcite Credit Card Benefits

Apart from reward points, the AU Xcite Credit Card comes with several lifestyle benefits.

1. Free Railway Lounge Access

Travelers receive:

• 2 Complimentary Railway Lounge Visits every quarter

This is especially useful for frequent train travellers who want a comfortable waiting experience.

2. Device Protection Plan

The card includes a complimentary device protection plan for eligible purchases.

Coverage includes:

• Mobile Phones

• Tablets

• Laptops

• White Goods

This adds extra security against accidental damage and eligible claims.

3. One-Year Extended Warranty

Purchases made using the card get:

• 1-Year Extended Warranty

Applicable on:

• Smartphones

• Tablets

• Laptops

• Home Appliances

This benefit helps save on repair costs after the manufacturer's warranty expires.

4. Free Card Liability Insurance

The AU Xcite Credit Card provides complimentary card liability insurance, helping protect you from unauthorised transactions if your card is lost or stolen, subject to the bank's terms and conditions.

5. Fuel Surcharge Waiver

Receive:

• 1% Fuel Surcharge Waiver

Applicable for fuel transactions between:

• ₹400 and ₹5,000

Maximum waiver:

• ₹150 per statement cycle

Available across fuel stations in India.

6. Annual Fee Waiver

The annual fee is waived if you spend:

₹1,00,000 or more in an anniversary year.

This effectively makes the card free for regular users.

AU Xcite Credit Card Fees & Charges

Fee Type	Charges
Joining Fee	₹249 + GST
Annual Fee	₹249 + GST
Annual Fee Waiver	Spend ₹1,00,000 annually
Cash Advance Fee	2.5% (Minimum ₹100)
Interest Rate	3.49% per month (41.88% annually)
Foreign Currency Markup	3.49%
Reward Redemption Fee	₹99
Fuel Surcharge	Waived (Conditions Apply)
Late Payment Fee	15% of due amount (subject to applicable slab limits)

Eligibility Criteria

To apply for the AU Xcite Credit Card, you should meet the following requirements:

• Age should be 21 years or above

• Must reside in an AU Small Finance Bank serviceable location

• Meet the bank's income and credit assessment criteria

• Have valid KYC documents

Documents Required

Generally, you'll need:

• PAN Card

• Aadhaar Card

• Address Proof

• Passport-size Photograph

• Income Proof (if required)

How to Apply for AU Xcite Credit Card

Applying is simple:

1. Visit the official AU Small Finance Bank website.

2. Navigate to the Credit Cards section.

3. Select the AU Xcite Credit Card.

4. Fill in your personal details.

5. Enter employment and income information.

6. Upload your PAN card and photograph.

7. Accept the terms and conditions.

8. Submit the application.

9. An AU Bank representative will verify your details and complete the application process.

Pros of AU Xcite Credit Card

• Rather high rewards on dining, grocery, movies and departmental stores.

• The reward rate for selected categories is 3.75%.

• Double Rewards Points for the 1st to 5th of each month!

• Complimentary railway lounge access

• Device protection and extended warranty

• Fuel surcharge waiver

• Low joining and annual fee

• Annual fee waiver after ₹1 lakh spending

Cons of AU Xcite Credit Card

• The redemption rate is ₹99.

• The foreign currency rate markup was 3.49%

• Lower rewards for utilities

• Dues can be paid in full, but if not, interest charges will be high.

Who Should Get the AU Xcite Credit Card?

This card is a good choice for:

• Those who eat out a lot

• Grocery shoppers

• Movie lovers

• People who are using their credit card for the first time.

• Individuals looking for a low-fee rewards card

• Train travellers who can use railway lounge access

• Users who want added protection for electronic purchases

Is the AU Xcite Credit Card Worth It in 2026?

The AU Xcite Credit Card is a good option if you have a primary spending category of dining, groceries, movies, and shopping, and you typically spend $100 or more on these items each month. It's an attractive option, despite the small annual cost, because of the extra reward points added in the first five days of every month, free railway lounge access, a device protection benefit, and a waiver of the fuel surcharge. The card also offers a free-of-cost option to users who spend more than ₹1 lakh a year. The card is also even better for users who spend over ₹1 lakh each year.

Conclusion

The AU Xcite Credit Card is a decent option for day-to-day purchases, particularly while dining, shopping, watching films and buying groceries. It gives rewards of up to 3.75%, railway lounge access, protection of devices and a waivable annual fee, which make it an excellent value to those who use it regularly. If you spend similarly to how you are getting rewarded, this card is worth evaluating in 2026.

FAQs

 What is the joining fee for the AU Xcite Credit Card?

The joining fee is ₹249 + GST.

What is the annual fee?

The annual fee is ₹249 + GST, which is waived if you spend ₹1 lakh or more in a year.

What is the reward point value?

Each reward point is worth ₹0.25.