AU Bank is taking a new approach for issuing credit cards. While it already had an online process for getting its cards, it has launched a new SwipeUp platform. We can get LTF credit cards through this with card-to-card (C2C) applications. With this, AU Bank has also launched a new range of credit cards under the Xcite brand. Here is everything you need to know about the platform and the Xcite credit cards.
What is AU Bank SwipeUp?
We can apply for credit cards based on either salary or with an existing credit card. The later process is called C2C or card to card. While many issuers have an offline process for C2C applications, AU Bank has taken this process online.
AU Bank SwipeUp is a new platform that offers an online C2C process. Through this we can “upgrade” to a new range of LTF Xcite credit cards from AU Bank. We have three Xcite credit card variants. So, it is as simple as logging in and providing the existing credit card bin number to show which new AU credit card you can get.
AU Bank Xcite Credit Card Variants
Variant | Platform | Type |
---|---|---|
Xcite | Visa Platinum | Rewards |
Xcite Ace | Visa Signature | Cashback |
Xcite Ultra | Visa Signature | Cashback |
Both Xcite and Xcite Ultra offer reward points for spends. The Xcite Ace is a cashback credit card. Xcite Ultra is the top variant. We have listed down the benefits of each card in brief below. We will also be reviewing these cards in detail soon.
AU Bank Xcite Credit Card Features and Benefits

- Online and Offline Spends: 3 RP/Rs 100 ~0.75% return
- Dining, Movie, Grocery and Departmental Stores: 15 RP/Rs 100 ~3.75% return
- 2X RP on retail spends between 1st to 5th of every calendar month except rent, wallet and fuel
- Complimentary Railway Lounge Access: 2 visits/quarter
- Fuel Surcharge Waiver: 1% up to Rs 150 for transactions between Rs 400 and Rs 5000
- Check out the detailed review
AU Bank Xcite Ace Credit Card Features and Benefits

Unlike the Xcite and Xcite Ultra, the Ace is a cashback credit card. It seems to be targeted at Axis Ace users who prefer simple cashback for rewards.
Statement Spend | Cashback | Cap |
---|---|---|
Rs 7500 | 1% | |
Rs 12500 | 2% | |
Rs 20000 | 3% | Rs 750 |
- Complimentary Railway Lounge Access: 2 visits/quarter
- Complimentary Domestic Airport Lounge Access: 2 visits/quarter
- Fuel Surcharge Waiver: 1% up to Rs 250 for transactions between Rs 400 and Rs 5000
- No cashback for wallet reloads/spends, rent payment and fuel spends
- Check out the detailed review
AU Bank Xcite Ultra Credit Card Features and Benefits

- Offline Spends: 4 RP/Rs 100 ~1% return
- Online Spends: 8 RP/Rs 100 ~2% return
- International Spends: 12 RP/Rs 100 ~3% return
- Utility, Rent, Insurance, Education & Government: 1 RP/Rs 100 ~0.25% return
- 500 RP on Rs 5000 spend between 1st to 5th of every calendar month except for rent, wallet and fuel
- Milestone Benefit: 5000 RP for 2.5 Lakh spend in a membership year
- Complimentary Railway Lounge Access: 2 visits/quarter
- Complimentary Domestic Airport Lounge Access: 2 visits/quarter
- Fuel Surcharge Waiver: 1% up to Rs 150 for transactions between Rs 400 and Rs 5000
- Check out the detailed review
Rewards Redemption

The reward points can be redeemed on the AU Rewardz portal. Each RP is worth 25 paise.
- Vouchers: Many options including Amazon Pay gift vouchers
- Merchandise: Not recommended as we get a better value in other options
- Mobile/DTH Recharge
- Flight/Hotel/Bus booking
- Movies
- Airmiles: Only Vistara at 4 RP = 1 Airmile ratio
Are the Xcite credit cards worth applying for?
Yes, they are decent entry-level credit cards especially for a LTF price. The Xcite Ace will give you up to 3% cashback on offline spends as well. So, it is comparable to Axis Ace without the 5% cashback on bill payments.
AU Bank also runs attractive offers for festivals on e-commerce merchants. So, you can avail those using these cards.
Frequently Asked Questions
AU Bank is marketing only the Xcite range for the SwipeUp platform but some are also getting the option to apply for Zenith and Altura credit cards. Even, those are being offered LTF in some cases.
No, you will see the eligible credit cards based on AU Bank’s decision.
6 thoughts on “Get LTF Xcite Credit Cards with AU Bank SwipeUp”
While the cards are good (I especially like the design) they are available widely only in the Western states and MH and MP. In all other states they are available only within a limited area in the biggest city. I am told only within 15 km of an office/branch location. For example in TN its only available in some areas of Chennai, Karnataka Bangalore, Kerala Kochi, Odisha Bhubaneshwar, etc.
Makes them unattainable for a majority of the country. No platform is going to solve this.
Can we have 2 au cards?
Not for now
Hi,
I had one doubt here –
1. For the 1% cashback in xcite ace, will I be getting cashback only after crossing Rs 7500? For example, if I spend Rs 6000, then will I get Rs 60 cashback?
What are the redemption options for the reward points?
Updated the post with redemption options