AU Bank Xcite Credit Card

Rewards

• Rewards rate

  3 Reward Points on every retail spend of Rs. 100 and 15 Reward Points on dining, movies, departmental stores, and groceries

• Reward redemption

  Redeem your earned Reward Points against a number of options available on the AU Rewardz portal.

Benefits

• Movie & dining

  Get up to 30% discount on dining across over 300 partnered restaurants.

• Travel

  Free Railway Lounge Access

• Insurance

  Get complimentary device protection and 1-year extended warranty on selected electronic products

Fees & charges

• Spend-based waiver

  Annual Fee Waiver on Spends of ₹1 Lakh or More

• Rewards redemption fee

  ₹99 + GST

• Foreign currency markup

  3.49% of the total transaction amount

• Interest rates

  3.75% Per Month, i.e., 45% Annually

• Fuel surcharge waiver

  1% fuel surcharge waiver on all fuel purchases between Rs. 400 and Rs. 5,000.

• Cash advance charges

  2.5% Subject to a Minimum of ₹100

Product highlights

• 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.

FAQs