rewards
AU Xcite Credit Card
The entry Xcite card, offering recurring 2X-reward days and railway lounge access at a relatively low annual fee.
Annual Fee
₹249+GST; renewal waived on ₹1 lakh retail spend in the previous card anniversary year
Rewards
2X reward points on eligible retail spends from the 1st–5th of every month; reward points on selected categories
Lounge Access
8 complimentary railway lounge visits/year, max 2/quarter; no domestic airport lounge benefit advertised on the current card page
Fuel Waiver
1% on ₹400–₹5,000; latest July 2026 KFS caps Xcite-series waiver at ₹200/statement month
Milestone
₹1 lakh annual retail spend waives the next year's fee
Best For
Entry-level rewards users seeking low fees and railway lounge access
Welcome Offer
2X reward points from the 1st–5th every month; no separate one-time welcome benefit confirmed
Type
Rewards
Description
The AU Xcite Credit Card is the entry-level card in AU's Xcite range. Its main recurring benefit is 2X reward points on eligible retail spending between the 1st and 5th of every month, along with regular reward points on selected categories. It includes 8 complimentary railway lounge visits annually, limited to 2 per calendar quarter. Annual membership costs ₹249+GST and is waived from the second year after ₹1 lakh of eligible retail spending in the previous card anniversary year. AU's live product page still displays a ₹150 fuel-waiver cap, but the newer Key Fact Statement dated 7 July 2026 applies a ₹200 monthly cap to the Xcite series; for CCB I would use the newer ₹200 figure.
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