AU Bank Xcite Credit Card
An introductory card under AU Bank’s SwipeUp credit matching platform. Delivered Lifetime Free to applicants holding a credit card from another scheduled commercial bank, it offers 2X points on e-commerce shopping and 4 complimentary railway lounge visits per year with zero documentation overhead.
Why We Recommend The AU Bank Xcite Credit Card
An effortless, zero-fee secondary card for users with modest credit limits elsewhere.
Cardholders looking to add a fee-free secondary card to their wallet using their existing bank limits.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the AU Bank Xcite Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for AU Bank Xcite Credit Card
Zero hidden costs. Complete fee schedule verified with AU Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the AU Bank Xcite Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
4 complimentary railway lounge visits per calendar year (max 1 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes AU Bank Xcite Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
100% Lifetime Free entry-level card under the SwipeUp umbrella.
2X points on everyday Amazon, Flipkart, and food delivery orders.
1% fuel surcharge waiver up to ₹150 monthly.
Pros & Cons of the AU Bank Xcite Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Zero annual recurring fees forever.
- Minimal paperwork requirement through digital competitor verification.
- Reliable secondary backup credit card.
Things to Consider (Cons)
- Railway lounges only (no airport lounge access).
- Low baseline rewards rate (0.25%).
- Only accessible to existing cardholders of other banks.
Who Can Apply for the AU Bank Xcite Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
700+ Score Recommended
Applicants with a credit score of 700 or higher enjoy fast-tracked approval and preferential credit limits from AU Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About AU Bank Xcite Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
Explore Similar Cards from AU Bank
Compare rewards, annual fees, and airport lounge perks across alternative options.
AU Altura Credit Card
An entry-level cash rebate card designed for semi-urban and Tier 2/3 branch walk-in customers. At an accessible annual fee of ₹199, it delivers 2% statement cashback on grocery stores, departmental store purchases, and utility bill payments with 8 complimentary railway lounge visits annually.
AU Altura Plus Credit Card
The core volume driver across AU Bank’s urban branch network, the Altura Plus card operates on a hybrid reward mechanism. It delivers direct 1.5% cashback on point-of-sale card swipes in physical stores alongside double reward points on online shopping, backed by 8 annual executive railway lounge visits.
AU Business Cashback Credit Card
A commercial card structured on a flexible monthly subscription model (₹99/month, waived on ₹10,000 monthly usage). Designed for small business proprietors, traders, and MSMEs, it provides up to 2% direct statement cashback on office utilities, tax payments, and vendor supplies.
Ready to Apply for the AU Bank Xcite Credit Card?
Check your pre-approved credit limit and instant approval eligibility across AU Bank with 100% paperless verification and zero score impact.