AU Bank Xcite Credit Card
Apply for the best credit card of Au Small Finance Bank
Welcome Benefits
- NIL
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 charges | 1% 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 |
| Total Amount Due/Statement Balance | Late Payment Charges |
|---|---|
| Less than or equal to 100 | NIL |
| Above 100/- and up to 500 | 100 |
| Above 500/- and up to 5000 | 600 |
| Above 5000/- and up to 10,000 | 700 |
| Above 10,000/- and up to 20,000 | 800 |
| Above 20,000/- and up to 50,000 | 1100 |
| Above 50,000/- | 1300 |
Eligibility criteria
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
Document Requirements
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
Other Information
Frequently Asked Questions
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!
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)
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 .
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.
Card other Details
AU Bank Xcite Credit Card Credit Limit: Up to ₹10 Lakh