AU Small Finance Bank Xcite Credit Card
AU Small Finance Bank
Annual / renewal fee
₹249 per annum (excluding GST).
VerifiedKey Fact Statement (KFS) – includes Schedule of Charges; explicitly covers SwipeUp Xcite series17 Aug 2026, 3:01 PM ISTAU Small Finance Bank
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at au.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at au.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Xcite Credit Card by AU Small Finance Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹249 (joining fee same as annual/renewal fee; excluding GST).
VerifiedKey Fact Statement (KFS) – includes Schedule of Charges; explicitly covers SwipeUp Xcite series17 Aug 2026, 3:01 PM ISTAU Small Finance Bank
Annual / renewal fee
₹249 per annum (excluding GST).
VerifiedKey Fact Statement (KFS) – includes Schedule of Charges; explicitly covers SwipeUp Xcite series17 Aug 2026, 3:01 PM ISTAU Small Finance Bank
Fee waiver
Annual fee waiver from 2nd year onwards: Spend ₹1,00,000 in a year and get waiver for next year Annual Fee (only retail spends considered).
VerifiedMost Important Terms & Conditions (MITC) with Schedule of Charges17 Aug 2026, 3:01 PM ISTAU Small Finance Bank
Renewal fee
₹249.
VerifiedXcite Credit Card — governing document (side-door search)17 Aug 2026, 3:01 PM ISTAU Small Finance Bank
Rewards
Not published in the official documents on file — see the official T&C link below.
Travel & lounge
Lounge access
- Priority Pass lounge usage charges of $35+taxes will be applicable for all Domestic and International Airport lounge visits within India.
- For International lounge visits Priority Pass usage Charge of $35+taxes will be applicable after exceeding the complimentary visits as may be applicable for a given card variant.
- Domestic Airport Lounge access basis spends achieved in a calendar quarter.
VerifiedXcite Credit Card — governing document (side-door search)17 Aug 2026, 3:01 PM ISTAU Small Finance Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
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.
VerifiedXcite Credit Card product page17 Aug 2026, 3:01 PM ISTAU Small Finance Bank
Charges & interest
Forex markup
3.49% cross currency markup charge on Foreign Currency Transaction / Dynamic & Static Conversion Transactions (SwipeUp - Xcite Series of Cards).
VerifiedKey Fact Statement (KFS) – includes Schedule of Charges; explicitly covers SwipeUp Xcite series17 Aug 2026, 3:01 PM ISTAU Small Finance Bank
Charge
- Finance/revolving charge: 3.75% per month (45% per annum) for all AU Retail Credit Cards.
- Cash Advance Charges: 2.5% of cash withdrawal amount or ₹500, whichever is higher.
- Cash Advance Limit: Up to 40% of card limit.
- Overlimit Charges: 2.5% of overlimit amount, subject to minimum ₹500.
- Late Payment Charges: 15% of Total Amount Due (Minimum ₹10, Maximum ₹1300).
- Payment Return Charges: 2% of Total Amount Due or minimum ₹500 whichever is higher.
- Duplicated Physical Statement Request: ₹100.
- Reward Point Redemption: ₹99 + GST per successful redemption.
- Card Transfer Charges: ₹199 + GST.
- Outstation Cheque Processing Charges: ₹25.
- EMI Conversion - Xpress EMI: 1% of amount converted, minimum ₹99 + GST.
- Instant EMI: ₹199 + GST per EMI transaction.
- Balance Transfer/BT on EMI Processing: 1% of Balance Transfer amount, minimum ₹250.
- GST: 18% applicable on all fees, interest & charges.
- Additional/Add-on card fee: Lifetime Free (up to 3 per Credit Card account).
- Fair usage charges apply on Rent, Utility, Fuel, Education & Transportation transactions (1% as per stated conditions, w.e.f. 1st July'26 for fuel and 14th June'26 for transportation).
VerifiedKey Fact Statement (KFS) – includes Schedule of Charges; explicitly covers SwipeUp Xcite series17 Aug 2026, 3:01 PM ISTAU Small Finance Bank
Fuel surcharge waiver
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
- Maximum ₹200 per statement month (SwipeUp - Xcite Series of Cards).
- Waiver capped at 1% of eligible fuel transaction amounts.
- GST on fuel surcharge not reversed.
VerifiedKey Fact Statement (KFS) – includes Schedule of Charges; explicitly covers SwipeUp Xcite series17 Aug 2026, 3:01 PM ISTAU Small Finance Bank
Interest-free period
Up to 50 days (not applicable for cash withdrawal).
VerifiedKey Fact Statement (KFS) – includes Schedule of Charges; explicitly covers SwipeUp Xcite series17 Aug 2026, 3:01 PM ISTAU Small Finance Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Xcite Credit Card?
Officially traced: Rs. 249 per annum (excluding GST).
Key Fact Statement (KFS) – includes Schedule of Charges; explicitly covers SwipeUp Xcite seriesWhat is the joining fee on the Xcite Credit Card?
Officially traced: Rs. 249 (joining fee same as annual/renewal fee.
Key Fact Statement (KFS) – includes Schedule of Charges; explicitly covers SwipeUp Xcite seriesIs the Xcite Credit Card annual fee ever waived?
Annual fee waiver from 2nd year onwards: Spend Rs. 1,00,000 in a year and get waiver for next year Annual Fee (only retail spends considered).
Most Important Terms & Conditions (MITC) with Schedule of ChargesWhat lounge access does the Xcite Credit Card include?
Priority Pass lounge usage charges of $35+taxes will be applicable for all Domestic and International Airport lounge visits within India; for International lounge visits Priority Pass usage Charge of $35+taxes will be applicable after.
Xcite Credit Card — governing document (side-door search)What are the transfer ratios for Xcite Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the Xcite Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.au.bank.in/personal-banking/credit-cards/swipeup-program/xcite-credit-card.
VerifiedXcite Credit Card product page17 Aug 2026, 3:01 PM ISTAU Small Finance Bank
Verified 2026-08-17 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
( Continue exploring )