Get Welcomed Every Month
2X Reward Points on retail spends from the 1st to the 5th of every month.
Reward Points
Get rewarded with reward points when you spend on selected categories. Check where to spend!
Fuel Surcharge Waiver
1% waiver for fuel transactions between ₹400 and ₹5,000 across all fuel stations in India (max ₹150 per statement cycle)
Complimentary Device Protection Plan
Complimentary device protection for mobiles, tablets, laptops and select electronics.
Complimentary Railway Lounge Access
8 complimentary lounge access per annum (maximum 2 per calendar quarter), using AU Credit Card at railway stations.
AU Rewardz
Get a plethora of options to redeem your Reward Points for amazing benefits
Card Liability Cover
In an unfortunate event of loss of Credit Card, you carry zero liability
Contactless Card Usage
Make quick, secure & easy payments by just tapping the card and paying at participating merchants without entering your Credit Card PIN for amounts up to ₹5,000
Xpress EMI
Convert transactions of minimum total value of ₹2,000 into EMI, club up to 20 billed or unbilled transactions together for conversion
Add-on Cards
Offer your Xcite Credit Card benefits to your loved ones, through our add-on card offering. Your add-on card comes free for lifetime!
Things to know
Fees & Charges
- Annual Card Membership Fee - ₹ 249 + applicable taxes
Click here to view Key Fact Statement.
- Conditions for Annual Card Fee waiver
For 2nd year onwards fee waiver – ₹ 1,00,000 retail spends done in previous card anniversary year
Eligibility
- Primary cardholder age group
- Self Employed: 25 years to 65 years
- Salaried: 21 years to 60 years
- Add-on cardholder
- Should be over 18 years
- Resident Indian
Note: These criteria are only indicative. AU Small Finance Bank reserves the right to approve or decline applications for Credit Card.
Why AU
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National presence
Bank with us across 1042 branches & ATMs.
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Get a bit more
Enjoy quality services at competitive rates.
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Visit branches without the wait
Our ample touchpoints ensure all our customers are conveniently served.
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Superfast app
Manage and track all your transactions on the AU 0101 App.
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Sustained growth
Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.
Bank anywhere anytime, on the AU 0101 mobile app
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![View balance and transactions]()
View balance and transactions
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![Download account statement]()
Download account statement
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![Request cheque book]()
Request cheque book
30 lakh customers banking on app
Not sure which product is right for you?
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Personal assistance
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No spam
Customer support
24x7 help
