AU Small Finance Bank Xcite Credit Card

Annual fee

₹249 + GST

Joining fee

₹249 to join.

Fee waiver rule

For 2nd year onwards fee waiver – ₹1,00,000 retail spends done in previous card anniversary year

Add-on card fee

Your add-on card comes free for lifetime!

Reward rate

3 Reward Points per ₹100 · everyday spends3 Reward Points per ₹100 spent Online and Offline.

Reward earning on dining spends

15 Reward Points per ₹100 on Dining, Movies, Grocery & Departmental Stores.

Utilities earning

1 Reward Point per ₹100 spent on Insurance and Utility & Telecom.

Reward exclusions

Excluding spends done on Rent, Wallet, Fuel, EMI, Cash, Quasi Cash, Education & Govt and BBPS

Flight redemption

AU Rewardz: Flight/Hotel bookings

Voucher and product redemption

AU Rewardz: E-vouchers of top brands, Merchandise, Mobile/DTH recharges, Flight/Hotel bookings and much more.

Domestic lounge access

8 complimentary lounge access per annum (maximum 2 per calendar quarter), using AU Credit Card at railway stations

Fuel surcharge waiver

1% waiver for fuel transactions between ₹400 and ₹5,000 (max ₹100 per statement cycle)

Lost card liability

You carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank.

Purchase protection

Complimentary device protection for mobiles, tablets, laptops and select electronics.

Balance transfer terms

Processing charges 1% of Balance Transfer amount, subject to a minimum of ₹250

Purchase to EMI conversion

Convert transactions of minimum total value of ₹2,000 into EMI, club up to 20 billed or unbilled transactions together for conversion

Forex markup

3.49% on foreign currency transactions.

Dynamic currency conversion markup

3.49%3.49% Cross Currency Markup Charges on Dynamic & Static Conversion Transactions

Cash advance fee

2.5% of the Cash withdrawal amount or ₹500, whichever is higher.

Cash withdrawal limit

Up to 40% of the card limit

Interest on unpaid balance

3.75% per month (45% per annum)

Interest-free period

Up to 50 days (not applicable for cash withdrawal)

Late payment fee

15% of Total Amount Due (Minimum ₹10, Maximum ₹1300)

Over-limit fee

2.5% of overlimit amount, subject to a minimum of ₹500

Payment return or dishonour fee

2% of total amount due or ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher.

Card replacement fee

₹100

Cash payment / cash deposit fee

NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode.

Education / school fee charge

1% of transaction value, subject to minimum of ₹99 per transaction on education payments done through third party applications like, not limited to, CRED, PhonePe, Paytm, MobiKwik, Freecharge etc.

EMI conversion fee

Xpress EMI: 1% of the Amount being converted to EMI, subject to a minimum of ₹99 + GST; Instant EMI: ₹199 + GST as Processing Fees on every EMI transaction done at any Point-of-Sale unit or through Payment Gateway

Foreign ATM fee

2.5% or ₹500 whichever is higher on the amount withdrawn from domestic/international ATMs.

Reward redemption fee

A nominal fee of ₹99 + GST will be levied on each successful redemption

Rent transaction fee

1% of transaction value, subject to minimum of ₹99 per transaction on domestic rental transactions

GST note

GST 18% applicable on all fees, interest & charges

Minimum amount due

5% of Principal outstanding+ 100% of Fees/Charges+ 100% of Interest Charges+ Due EMI(s)+ 100% of Annual Membership Fee (if applicable) + 100% of GST; 2% of Principal outstanding for Customers who have paid TAD (Total Amount Due) for previous statement on/or before due date

Eligibility

Primary cardholder age: Self Employed 25 to 65 years; Salaried 21 to 60 years. Add-on cardholder should be over 18 years. Resident Indian.