AU Small Finance Bank Xcite Credit Card

Charge

• Finance/revolving charge: 3.75% per month (45% per annum) for all AU Retail Credit Cards.
• Cash Advance Charges: 2.5% of cash withdrawal amount or ₹500, whichever is higher.
• Cash Advance Limit: Up to 40% of card limit.
• Overlimit Charges: 2.5% of overlimit amount, subject to minimum ₹500.
• Late Payment Charges: 15% of Total Amount Due (Minimum ₹10, Maximum ₹1300).
• Payment Return Charges: 2% of Total Amount Due or minimum ₹500 whichever is higher.
• Duplicated Physical Statement Request: ₹100.
• Reward Point Redemption: ₹99 + GST per successful redemption.
• Card Transfer Charges: ₹199 + GST.
• Outstation Cheque Processing Charges: ₹25.
• EMI Conversion - Xpress EMI: 1% of amount converted, minimum ₹99 + GST.
• Instant EMI: ₹199 + GST per EMI transaction.
• Balance Transfer/BT on EMI Processing: 1% of Balance Transfer amount, minimum ₹250.
• GST: 18% applicable on all fees, interest & charges.
• Additional/Add-on card fee: Lifetime Free (up to 3 per Credit Card account).
• Fair usage charges apply on Rent, Utility, Fuel, Education & Transportation transactions (1% as per stated conditions, w.e.f. 1st July'26 for fuel and 14th June'26 for transportation).

Verified · Key Fact Statement (KFS) – includes Schedule of Charges; explicitly covers SwipeUp Xcite series · 2026-08-03 · source

Interest-free period

Up to 50 days (not applicable for cash withdrawal).

Verified · Key Fact Statement (KFS) – includes Schedule of Charges; explicitly covers SwipeUp Xcite series · 2026-08-03 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
• Maximum ₹200 per statement month (SwipeUp - Xcite Series of Cards).
• Waiver capped at 1% of eligible fuel transaction amounts.
• GST on fuel surcharge not reversed.

Verified · Key Fact Statement (KFS) – includes Schedule of Charges; explicitly covers SwipeUp Xcite series · 2026-08-03 · source