AU XCITE
AU Small Finance Bank · Checked 2026-10-09
AU XCITE is a paid card focused on shopping rewards, dining rewards and online spending, charging ₹249 annually before GST.
CardIQ editorial view
Our take
AU XCITE is a paid card focused on shopping rewards, dining rewards and online spending, charging ₹249 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise dining rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 15 points per ₹100 on eligible dining, movies, groceries and departmental stores.
- 8 railway lounge visits annually, capped at 2 per quarter.
Trade-offs to understand
- Available through AU SwipeUp for eligible existing credit-card holders; verify the upgrade offer with AU.
- 3 points per ₹100 on other eligible online/offline spending; 1 on eligible insurance, utility and telecom payments.
- 2X base earn on eligible retail spending from the first to the fifth day of each month; category exclusions apply.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 15 points per ₹100 on eligible dining, movies, groceries and departmental stores valuable enough to clear the fee. Factor in this condition: Available through AU SwipeUp for eligible existing credit-card holders; verify the upgrade offer with AU.
Compare before deciding
- IDFC FIRST SWYP — A higher-fee option to compare for broader benefits around shopping rewards and reward points.
- Reliance SBI Card — A higher-fee option to compare for broader benefits around shopping rewards and reward points.
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Benefits, limits and conditions
- Available through AU SwipeUp for eligible existing credit-card holders; verify the upgrade offer with AU.
- 3 points per ₹100 on other eligible online/offline spending; 1 on eligible insurance, utility and telecom payments.
- 2X base earn on eligible retail spending from the first to the fifth day of each month; category exclusions apply.
- 8 railway lounge visits annually, capped at 2 per quarter.