AU Bank Xcite Credit Card

Welcome to our in-depth exploration of the AU Bank Xcite Credit Card. In this comprehensive review, we’ll navigate through the key aspects of this card, shedding light on its remarkable features, enticing rewards, and the application process. Whether you’re a seasoned credit card enthusiast or a first-time applicant, join us as we delve into the world of possibilities that the AU Bank Xcite Credit Card has in store for you.

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AU Bank Xcite Credit Card

AU Small Finance Bank has introduced the Swipe Up platform which includes three credit cards: AU Bank Xcite Credit Card, Xcite Ace Credit Card, and Xcite Ultra Credit Card. Among these, the Xcite Card is the simplest one. This credit card provides an array of benefits to its users, making it suitable for various lifestyle needs. It comes with attractive features such as accelerated reward rates on dining, movies, groceries, and departmental store spending, allowing cardholders to earn rewards faster. The AU Bank Xcite Credit Card provides a good balance of affordability and rewarding perks, making it a popular choice for individuals seeking value and benefits in their credit card.

Features and Benefits of AU Bank Xcite Credit Card

Movie & Dining: Enjoy up to 30% discount at over 300 partnered restaurants.
Rewards Rate: Earn 2 Reward Points for every Rs. 100 spent on retail and 15 Reward Points for dining, movies, departmental stores, and groceries.
Reward Redemption: Redeem your earned Reward Points for various options available on the AU Rewardz portal.
Travel: Get free access to railway lounges every year.
Domestic Lounge Access: Enjoy 2 complimentary railway lounge accesses every quarter.
Insurance Benefits: Avail complimentary device protection and 1-year extended warranty on selected electronic products.
Zero Liability Protection: Get protection against any unauthorized transactions in case of lost or stolen cards if reported to the bank promptly.

AU Bank Xcite Credit Card Fees and Charges

Joining Fee: No fee to join the card.
Renewal Fee: No fee for card renewal.
Foreign Currency Markup: 3.49% of the total transaction amount when using the card internationally.
Interest Rates: 3.49% per month, which adds up to 41.88% annually on any outstanding balance.
Fuel Surcharge: Enjoy a 1% fuel surcharge waiver on fuel purchases between Rs. 400 and Rs. 5,000.
Cash Advance Charge: For cash withdrawals, a fee of 2.5% of the withdrawn amount or a minimum of Rs. 100 will apply.

AU Bank Xcite Credit Card Eligibility

  • Applicant’s age must be between 21 to 60 years.
  • Supplementary card applicant’s age should be at least 18 years.
  • Applicant must be a resident of India.
  • Applicant should have a good credit history.

How to apply for AU Bank Xcite Credit Card?

  1. Go to the official website of AU Bank ( https://www.aubank.in/ )
  2. Look for the “Credit Cards” or “Cards” section.
  3. Find and select the Swipe Up Platform from the list of available credit cards.
  4. Provide your registered mobile number and PAN number for the card upgrade.
  5. Enter the first 6 digits of your current credit card and choose the Xcite variant.
  6. Compare the benefits of your current card with the Xcite Credit Card.
  7. Fill in the required details and apply for the Xcite Credit Card.
  8. After submitting the application and necessary documents, the bank will review your application.

Frequently Asked Questions (FAQs) -

AU Bank Xcite Credit Card is a feature-rich credit card offered by AU Small Finance Bank. It provides various benefits, rewards, and exclusive privileges to enhance your financial experience.

You can apply for AU Bank Xcite Credit Card online through the official website of AU Small Finance Bank. The application process is user-friendly, and you will need to provide necessary documents and details as per the bank’s requirements.

AU Bank Xcite Credit Card comes with features such as cashback on purchases, reward points on transactions, exclusive discounts, contactless payments, and more. Check the official website for the most up-to-date features and benefits.

The credit limit on AU Bank Xcite Credit Card is determined by the bank based on your creditworthiness, income, and other relevant factors. The approved credit limit will be communicated to you upon successful application processing.

You can check your AU Bank Xcite Credit Card balance through the bank’s official mobile app, internet banking portal, or by contacting the customer service helpline. Additionally, the monthly credit card statement will provide a detailed overview of your transactions and outstanding balance.

AU Bank Xcite Credit Card may have an annual fee, which varies based on the card variant and the features it offers. Refer to the terms and conditions provided by the bank for specific details on fees and charges.

AU Bank Xcite Credit Card typically offers a rewards program where you earn points for each eligible transaction. These points can be redeemed for various rewards, including merchandise, travel vouchers, or cashback. The bank’s website or customer service can provide specific details on the rewards program.

AU Bank Xcite Credit Card usually comes with an interest-free period on purchases if the outstanding balance is paid in full by the due date. The grace period may vary, so it’s essential to refer to the terms and conditions provided by the bank.

You can reach AU Small Finance Bank’s customer support for AU Bank Xcite Credit Card through the dedicated helpline, email, or by visiting the nearest branch. Contact details can be found on the official website.

Yes, AU Bank Xcite Credit Card is typically enabled for international transactions. However, it’s advisable to inform the bank about your travel plans to prevent any disruptions in card usage. Check the card terms for details on international usage and associated fees.