AU Bank Xcite Credit Card

9
Expert ScoreRead review
  • Lifetime Free Credit Card.
  • Up to 15 Reward Points on every spend of Rs. 100.
  • 2x Reward Points on retail spends between the 1st and 5th of every month.
  • Complimentary railway lounge access every year.
  • Free device protection plan and extended warranty.
  • Up to 30% discount on dining.
  • 1% fuel surcharge waiver.

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Category:

AU Bank Xcite Credit Card

9
Expert ScoreRead review
  • Lifetime Free Credit Card.
  • Up to 15 Reward Points on every spend of Rs. 100.
  • 2x Reward Points on retail spends between the 1st and 5th of every month.
  • Complimentary railway lounge access every year.
  • Free device protection plan and extended warranty.
  • Up to 30% discount on dining.
  • 1% fuel surcharge waiver.
Category:
Reward Type
Reward Points
Renewal Fee
Nil
Joining Fee
Nil
Type of Card
Reward
Welcome Benefits
NA

USP of Card

  • Lifetime Free Credit Card.
  • Up to 15 Reward Points on every spend of Rs. 100.
  • 2x Reward Points on retail spends between the 1st and 5th of every month.
  • Complimentary railway lounge access every year.
  • Free device protection plan and extended warranty.
  • Up to 30% discount on dining.
  • 1% fuel surcharge waiver.

Fees & Charges

Spend Based Waiver
NA
Interest Rates
3.49% per month, i.e. 41.88% annually
Cash Advance Charges
3.49% of the total transaction amount
Rewards Redemption Fee
Nil
Fuel Surcharge
1% fuel surcharge waiver on all fuel purchases between Rs. 400 and Rs. 5,000.
Foreign Currency Markup
2.5% of the withdrawn amount subject to a minimum of Rs. 100
Late Payment Fee
-
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
Get up to 30% discount on dining across over 300 partnered restaurants.
Reward Redemption
Redeem your earned Reward Points against a number of options available on the AU Rewardz portal.
Zero Liability Protection
Get zero liability protection against lost/stolen cards if the loss is reported to the bank in a timely manner.
Rewards Rate
2 Reward Points on every retail spend of Rs. 100 and 15 Reward Points on dining, movies, departmental stores, and groceries.
Travel
Get free railway lounge access every year.
Online Shopping offers
Up to 30% discount on dining.
Insurance Benefits
Get complimentary device protection and 1-year extended warranty on selected electronic products
Domestic Lounge Access
2 complimentary railway lounge access every quarter
International Lounge Access
NA
9Expert Score
  • Lifetime Free Credit Card.
  • Up to 15 Reward Points on every spend of Rs. 100.
  • 2x Reward Points on retail spends between the 1st and 5th of every month.
  • Complimentary railway lounge access every year.
  • Free device protection plan and extended warranty.
  • Up to 30% discount on dining.
  • 1% fuel surcharge waiver.
Best values score
9
9Expert Score
  • Lifetime Free Credit Card.
  • Up to 15 Reward Points on every spend of Rs. 100.
  • 2x Reward Points on retail spends between the 1st and 5th of every month.
  • Complimentary railway lounge access every year.
  • Free device protection plan and extended warranty.
  • Up to 30% discount on dining.
  • 1% fuel surcharge waiver.
Best values score
9

Specification: AU Bank Xcite Credit Card

Bank Name

AU Bank

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Reward offer savings

USP of Card

BestValue Score

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