AU Bank Xcite Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Credit Card that does not have any annual fee for its lifetime. Receive up to 15 Reward Points for every Rs. 100 spent. Get 2 times the Reward Points for retail purchases made between the 1st and 5th of each month. Access to railway lounge for free once per year. Receive a complimentary device protection plan and extended warranty. Enjoy up to a 30% discount on dining. Receive a waiver on 1% of fuel surcharge.

The AU Bank Xcite Credit Card, with no joining or renewal fees, is a fantastic option for avid shoppers.

With its reward type being Reward Points, cardholders can enjoy multiple perks and benefits.

One great feature of this card is the opportunity to earn 2 Reward Points for every retail spend of Rs. 100, along with 15 Reward Points for dining, movies, departmental stores, and groceries.

This provides plenty of opportunities to accumulate points and redeem them for exciting rewards.

For movie enthusiasts, the Xcite Credit Card offers up to a 30% discount on dining at over 300 partnered restaurants, enhancing the overall cinema experience.

In addition, cardholders can enjoy free railway lounge access every year, adding a touch of luxury to their travel journeys.

Those who prefer domestic travel will appreciate the two complimentary railway lounge access every quarter.

However, international lounge access is not included with this card.

While golf enthusiasts may be disappointed that golf benefits are not provided, customers can take advantage of insurance benefits such as complimentary device protection and a one-year extended warranty on selected electronic products.

There is no spend-based waiver available with this card, and the foreign currency markup is set at 3.49% of the total transaction amount.

Additionally, the interest rate is 3.49% per month or 41.88% annually.

Nevertheless, cardholders can benefit from a 1% fuel surcharge waiver on all fuel purchases between Rs. 400 and Rs. 5,000.

Cash advances are subject to a 2.5% fee of the withdrawn amount, with a minimum of Rs. 100.

Overall, the AU Bank Xcite Credit Card is a solid choice for shoppers looking for rewards and discounts.

With its low fees and attractive benefits, it provides a valuable addition to any wallet.