Get LTF Xcite Credit Cards with AU Bank SwipeUp

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 1^st to 5^th 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 1^st to 5^th 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