M16S / AU Small Finance Bank / AU Xcite Credit Card
entry · rewards
AU Xcite Credit Card
The AU Xcite Credit Card costs Rs 249 a year, waived if you spend Rs 1,00,000 in a year. Its base return is 0.75% (3 RP per Rs 100 online and offline). The forex markup is 3.49%. Lounge visits in India: Railway lounges only: 8 per year (max 2 per quarter). Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 249+ GST
- Fee waived at
- Rs 1,00,000annual spend
- Base return
- 0.75%
- Forex markup
- 3.49%
- Interest
- 3.75%a month
What changed on this card
- AU Bank changes fuel fair usage charge to 1% on all fuel spend, Jul 2026
From 1 July 2026 there is no charge if each fuel transaction is under Rs 10,000 and monthly fuel spend is under Rs 25,000. Above either limit, AU charges 1% on the entire monthly fuel spend. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% charge on transport spends above limits, Jun 2026
From 14 June 2026 AU charges 1% on the entire monthly transportation spend (MCC 4111, 4112, 4784) when it exceeds 50% of the credit limit or Rs 25,000, whichever is lower. IRCTC, some travel partners and ixigo AU cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% fair usage charge on fuel and utility spends, Aug 2024
From 15 August 2024 AU charges 1% on monthly fuel spends above 50% of the credit limit or Rs 50,000, whichever is lower, and 1% on monthly utility spends above Rs 50,000. Corporate and Purchase cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank sets card interest at 3.75% a month, Aug 2024
From 15 August 2024 the interest rate (APR) is 3.75% per month (45% per annum) on all AU credit cards except Zenith+, Corporate and Purchase cards. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining feeunverified | Rs 249 |
|---|---|
| Annual feeunverified | Rs 249 |
| Annual spend that waives the fee | Rs 1,00,000 |
| Fee notes | Rs 249 + taxes; waived from year 2 on Rs 1 lakh retail spend in previous anniversary year. |
Rewards
| Welcome benefit | No one-time bonus; 2X base points on retail spends made on the 1st to 5th of each month |
|---|---|
| Reward currency | Reward Points |
| Base earn | 3 RP per Rs 100 online and offline |
| Base return | 0.75% |
| Point valueunverified | 1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page) |
| Accelerated earn | 15 RP per Rs 100 on dining, movies, grocery and departmental stores; 1 RP per Rs 100 on insurance, utility and telecom |
| Capsunverified | Utility & telecom 100 RP per transaction; no cap printed for the 15 RP tier |
| Spends that earn nothing | Cash, rent, education & government, EMI, fuel, BBPS, quasi-cash; transportation MCCs from 1 Apr 2026 |
| Points expiry | 2 years from accrual (Card Member Agreement cl. 23.8) |
| Reward notes | Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 3 RP per Rs 100 x Rs 0.25. |
Travel and perks
| Domestic lounge | Railway lounges only: 8 per year (max 2 per quarter) |
|---|---|
| International lounge | None |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement cycle from 1 Oct 2026 (was Rs 150) |
| Other freebies | Device protection plan; card liability cover; free add-on cards |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
| Cash advance fee | 2.5% of amount withdrawn, min Rs 500 |
| Eligibility | Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published. |
| Fine-print notes | Part of the SwipeUp Xcite series. Fee conflict on the issuer's own pages: the product page shows an annual fee with a spend waiver, while the listing-page fee table and MITC describe the SwipeUp Xcite series as lifetime free (SwipeUp upgrades for existing cardholders). The product-page fee is recorded. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. |
Questions
- What is the annual fee of the AU Xcite Credit Card?
- Rs 249 a year, before GST. It is waived if you spend Rs 1,00,000 in a year.
- Does the AU Xcite Credit Card give airport lounge access?
- Yes. In India: Railway lounges only: 8 per year (max 2 per quarter). Outside India: none listed.
- What is the forex markup on the AU Xcite Credit Card?
- 3.49% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the AU Xcite Credit Card?
- Cash, rent, education & government, EMI, fuel, BBPS, quasi-cash; transportation MCCs from 1 Apr 2026