AU Bank Xcite Ace Credit Card

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The AU Bank Xcite Ace Credit Card is part of the new SwipeUp platform, offering great benefits like higher cashback, better credit limits, and more compared to regular credit cards. It’s a lifetime-free card with up to 3% cashback, which is directly applied to your outstanding balance. Cardholders also enjoy travel benefits like free access to airport and railway lounges, as well as travel insurance. You can also get up to 30% off on dining, a device protection plan, concierge services, and many other perks.

The AU Xcite Ace Credit Card is a good option for anyone wanting to upgrade their credit card with minimal charges. It has no annual fee and offers cashback, travel privileges, and various other benefits. If you already have a mid-level card and want a higher credit limit and better cashback, this card is a solid choice. However, there’s a condition that requires you to spend at least ₹7,500 to earn 1% cashback, which may not be ideal for everyone. Cards like the Axis Ace offer higher cashback rates without such conditions.

Credit Card Detail
AU Bank Xcite Ace Credit Card
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
N/A
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Rewards Rate
Earn 1% cashback on monthly spending of ₹7,500, 2% cashback on monthly spending of ₹12,500, and 3% cashback on monthly spending of ₹20,000.
Reward Redemption
The cashback you earn is directly added to your account.
Movie & Dining
Get as much as 30% off on dining at over 300 restaurants.
Travel
Get free access to airport and railway lounges every year.
Golf
N/A
Domestic Lounge Access
Get two free access passes to domestic airport lounges every three months.
International Lounge Access
N/A
Insurance Benefits
Get personal accident coverage of ₹50 lakh, card liability coverage of ₹2 lakh, and purchase protection of up to ₹25,000.
Interest Rates
3.49% per month means that for every ₹100 you owe, you'll be charged ₹3.49 each month.
Spend-Based Waiver
N/A
Rewards Redemption Fee
Nil
Cash Advance Charges
A fee of 2.5% of the withdrawn amount, with a minimum charge of ₹100.
Foreign Currency Markup
3.49% +GST
Fuel Surcharge
Get a 1% fuel surcharge waiver on all fuel purchases, up to ₹250 per month.
Card Details
  • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5000, with a maximum waiver of ₹200 per statement cycle.
  • Forex Markup Charges: 3.49% + GST (~4.12%).
  • Finance Charges: 3.49% per month or 41.88% annually.
  • Device Protection Plan: 1-year free screen damage protection for mobiles/tablets and 1-year extended warranty on eligible purchases (mobile phones, tablets, laptops, and white goods) made with the Xcite Ace card.
  • Silver Spoon Premium Dining Program: Up to 30% discount at 300+ eligible restaurants.
  • Lifetime Free Credit Card: No annual fee.
  • Cashback: Up to 3% cashback on your spends.
  • Complimentary Railway and Airport Lounge Access: Free access every year.
  • Dining Discount: Save up to 30% on dining.
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Frequently Asked Questions

Is there a limit on the monthly cashback with the Xcite Ace Credit Card?

Yes, the cashback is capped at Rs. 750 per month. You can earn a maximum of Rs. 750 in cashback using the card.

What is the annual charge for the AU Bank Xcite Ace Credit Card?

The Xcite Ace Card comes with no annual fee, making it a lifetime free card.

Does the Xcite Ace credit card provide access to domestic airport lounges?

Yes, the card offers 2 complimentary domestic airport lounge visits per quarter.

Does the Xcite Ace credit card have a fuel surcharge waiver?

Yes, the card offers a 1% fuel surcharge waiver on fuel purchases between Rs. 400 and Rs. 5000, with a maximum waiver of Rs. 200 per statement cycle.

What is the cash withdrawal fee for the Xcite Ace Credit Card?

The Xcite Ace Card has a cash advance fee of 2.5% of the withdrawn amount, with a minimum fee of Rs. 100.

What perks are included with the Xcite Ace credit card?

The Xcite Ace card offers two key benefits: complimentary access to airport and railway lounges, and a 1-year extended warranty on mobile phones and white goods purchases.

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