AU Bank Xcite Credit Card
AU Bank Xcite Credit Card from AU Small Finance Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 249 | Reward type: Reward Points | Best for: Shopping, Dining, Movies And Entertainment
Estimated value per Rs 100 of eligible spend.
AU Bank Xcite Credit Card Overview
AU Bank Xcite Credit Card is an AU Small Finance Bank credit card. Base reward value is about Rs 0.75 per Rs 100 of eligible spend. Zlash checks boosted categories like dining, movies and entertainment, grocery along with caps and exclusions.
Best For
AU Bank Xcite Credit Card is most useful when your spends regularly fall into dining, movies and entertainment, grocery.
Rewards
dining
5x the base reward rate.
movies and entertainment
5x the base reward rate.
grocery
5x the base reward rate.
Not Good For
- Spends in excluded categories such as fuel, wallet reloads.
- International transactions if you need low forex markup; this card lists 3.49% markup.
Welcome And Travel Benefits
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Lifestyle Benefits
Movies and dining: Movie and dining benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Insurance: Insurance benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.49% foreign currency markup.
Reward Exclusions
Zlash Verdict
Choose this card when shopping, dining, movies and entertainment match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of AU Bank Xcite Credit Card?
The listed annual fee is Rs 249.
What is AU Bank Xcite Credit Card best used for?
AU Bank Xcite Credit Card is most useful when your spends regularly fall into dining, movies and entertainment, grocery.
Does AU Bank Xcite Credit Card have reward exclusions?
Yes. The extracted exclusions include fuel, wallet reloads.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.