AU Xcite Credit Card

AU Small Finance Bank · ₹249 a year

An entry AU points card with bonus points at the start of each month.

What the bank says

• Up to 15X Reward Points on selected categories
• 2X Reward Points on retail spends from the 1st to the 5th of every month
• 1% fuel surcharge waiver, up to ₹100 a statement

Things that catch people out

• AU does not state what an AU Rewardz point is worth in rupees, so the card is listed with its facts and not ranked.

Joining fee: ₹249. Foreign currency markup: not published.

The facts

• Annual fee: ₹249
• Fee waived at: no waiver published
• Domestic lounge visits: not published
• Minimum income: not published

Read from AU Small Finance Bank’s own page on 2026-10-06.

More from AU Small Finance Bank

• AU Altura Credit Card
• AU InstaPay RuPay Credit Card
• AU SPONT Credit Card
• AU Altura Plus Credit Card
• AU Ananta Credit Card
• AU KOSMO Credit Card
• AU Laksya Credit Card
• AU LIT Credit Card

All AU Small Finance Bank credit cards · All 538 cards · Which card pays you the most?