AU Bank Xcite Credit Card

Apply for the best credit card of Au Small Finance Bank

Last updated:28-Dec-24 Writen by Narendra User Profile
AU Bank Xcite Credit Card
  • Best suitable for: Shopping
  • Joining Fee: ₹ Lifetime Free + GST
  • Annual Fee: ₹ NIL + GST
  • Welcome Benefits: NIL
Au Bank Xcite Credit Card

AU Bank Xcite Credit Card: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ Lifetime Free
Annual/Renewal Fee:₹ NIL
Finance Charges:3.59% per month (43.08% annually)
Spend Based Waiver:Not Applicable for this card
Over Limit Penalty:2.5% of overlimit amount, subject to a minimum of 500/-
Rent Payment charges1% Processing fee transaction amount or Rs. 99 + GST, whichever is higher
Forex Charges:3.49% of the transaction value
Minimum Repayment Amount:5% of Total outstanding (Min. Rs. 100) + All charges/fees/taxes + EMI
Cheque Return Fees:2% of Total Amount Due or Minimum of 500 whichever is higher
Late Payment Charges:
Total Amount Due/Statement BalanceLate Payment Charges
Less than or equal to 100NIL
Above 100/- and up to 500100
Above 500/- and up to 5000600
Above 5000/- and up to 10,000700
Above 10,000/- and up to 20,000800
Above 20,000/- and up to 50,0001100
Above 50,000/-1300

AU Bank Xcite Credit Card: Eligibility & Documentation

Eligibility:-
Age: Applicants should be at least 21 years old.
providing proof of income (such as salary slips, bank statements, or for business owner or self-employee provide income tax returns).
Credit Score: A good CIBIL score, ideally between 750 and 900, can significantly boost approval chances
The applicant must be an Indian citizen and valid address proof

Documentation:- 1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof

AU Bank Xcite Credit Card: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 2.5% (Min. INR 500) of the cash amount
Cash Advance Withdrwan Limit: Upto 40% of the card limit
Cash Payment at Bank Branch: NIL

AU Bank Xcite Credit Card: Customer care and helpline

Customer care : 1800 1200 1500
Email Address : [email protected] | [email protected]
Mailing Address: AU Centre, 3rd Floor (Credit Card Department), Sunny Trade Centre, New Atish Market Jaipur, Rajasthan 302020.

Add-on Card facility: NIL

Card replacement fee: Rs 100 + GST

Rewards Redemption Fee: A nominal fee of ? 99 + GST will be levied on each successful redemption.

Domestic lounge:

International Lounge:

Fuel Surcharge:1% fuel surcharge refunded for transactions between 400 to 5,000. and Maximum of 200 per month.

FAQ of AU Bank Xcite Credit Card

Q1. What is the annual fee of AU Bank Xcite Credit Card?
The AU Bank Xcite Credit Card offers lifetime-free annual fees. The joining fee is also free for life!

Q2. What is the interest rate on the AU Bank Xcite Credit Card?
The AU Bank Xcite Credit Card has an interest rate of 3.59% per month (43.08% annually)

Q3. Are there foreign transaction fees on the AU Bank Xcite Credit Card?
Yes, The AU Bank Xcite Credit Card charges a 3.49% fee for all transactions in foreign currency .

Q4. What is the credit limit of AU Bank Xcite Credit Card?
The credit limit for the AU Bank Xcite Credit Card is based on multiple factors, such as your income, repaying capacity, and credit history. Au Small Finance Bank does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Au Small Finance Bank offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.

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